I built a free EMI calculator that answers the question most loan tools skip

说明与用途

一个完全在浏览器运行的 EMI 计算器，让用户了解额外现金如何影响贷款期限、每月付款和总成本，并可导出摊销表和预付款模拟。

问题

Typical EMI calculators only show monthly payment, ignoring whether extra cash should reduce tenure or EMI to save money.

结果

The calculator provides comprehensive loan insights, enabling users to make informed prepayment decisions and potentially save money.

工作流

• Enter loan amount, interest rate, tenure, and processing fee.
• Choose loan type preset (home, car, personal, education).
• View instant EMI, total interest, and all‑in cost.
• Generate month‑by‑month amortization schedule and export CSV.
• Simulate prepayments: choose one‑time or recurring, select reduce‑tenure or reduce‑EMI, or compare both.
• Review updated schedule and cost savings.
• Export or share results.
• Use offline, no signup required.

证据

Built a calculator that handles this properly: instant EMI, total interest, and true all‑in cost…

来源