Is EMIWISE free to use?

Yes - every calculator is free, with no sign-up. We may add optional saved-plans in the future, but the core tools will always be free.

Do you store the numbers I enter?

No. Calculations run entirely in your browser. Nothing is sent to any server, and we don't use analytics that track personal data.

How accurate are the calculations?

We use standard, transparent finance formulae (compounding for SIP, reducing balance for EMI). Real-world products can include charges, taxes and rate changes - always verify with your bank or AMC.

Can I use EMIWISE on mobile?

Absolutely. Every page is mobile-first with sticky bottom navigation, large touch targets and adaptive charts that look sharp on any screen.

Is this investment advice?

No. EMIWISE is an educational tool to help you reason about money decisions. Always consult a SEBI-registered advisor before making investment choices.

Built for Indian investors

Plan your money with calm clarity.

Modern, beginner-friendly calculators for SIPs, EMIs and loan prepayments. No clutter, no jargon - just numbers you can trust.

Plan your goal Try SIP calculator

100% private - runs in your browser Live charts & insights

SIP Projection

Live

Future value

+312% returnsover 15 years @ 12% p.a.

Monthly

₹10,000

Tenure

15 yrs

Return

12%

Features

Everything you need, nothing you don't

A focused toolkit for everyday money decisions - built mobile-first, with the polish you'd expect from a modern fintech product.

SIP Calculator

Visualise compounding. See how a monthly SIP can grow into long-term wealth with realistic projections.

Open

EMI Calculator

Plan home, car or personal loans with a complete amortisation schedule and breakdown.

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Prepayment Planner

Find out exactly how much interest and how many EMIs you can save with smart prepayments.

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Financial Insights

Plain-English explainers on compounding, prepayments, emergency funds and more - written for Indian investors.

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Goal Planning

Reverse-engineer your monthly investment from a target like a home, car or retirement corpus.

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Calculators

Pick a tool. Get clarity in seconds.

Each calculator is built to be useful in 30 seconds - and rich enough for serious planning.

Wealth

SIP Calculator

₹10,000 / month for 15 years

≈ ₹47.2 L

Future value @ 12% p.a.

Loan

EMI Calculator

₹50 L home loan, 20 yrs

₹41,822/mo

EMI @ 8.5% interest

Savings

Prepayment Planner

Prepay ₹2 L / year

Save ₹14.6 L

& close 4 yrs early

Advanced toolkit

Built for serious money decisions

The full suite - comparison engines, foreclosure simulation and a personal finance dashboard with AI insights.

AI-powered

Unified Dashboard

Health score, AI insights, loan progress, SIP forecast and milestones - all on one screen.

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New

Foreclosure Simulator

Model early loan closure with penalties - see exactly how many years you'd save.

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Compare

SIP vs Prepayment

The classic Indian dilemma - solved with side-by-side wealth simulation.

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Compare

EMI vs Tenure

Five tenures, one chart - find the best balance between EMI and lifetime interest.

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Loan

Part Payment Planner

Monthly, yearly or lumpsum - and reduce tenure or shrink EMI. Three styles, two strategies.

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Detailed

Amortization Schedule

Full monthly schedule with yearly rollups, search and print-to-PDF.

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Why EMIWISE

Money tools that respect your time

No accounts. No tracking. No upsells. Just the tools, with a thoughtful interface around them.

Beginner-friendly

Plain-English explanations beside every result - designed for first-time investors.

Simple finance

We strip away jargon so the maths feels intuitive, not intimidating.

Modern calculators

Sliders, animated charts and live insights - designed to feel premium.

Lightning fast

Calculations happen instantly in your browser - no waiting, no servers.

Privacy-focused

Nothing you type is sent anywhere. Your numbers stay on your device.

Feedback

What do you think of EMIWISE?

Share a quick review - it helps us improve, and helps other planners decide. Reviews you submit show up here on your device.

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Takes 20 seconds. No account needed.

Runs locally

in your browser

No accounts

no tracking

Open math

transparent formulae

FAQ

Quick answers

Everything you'd want to know before trusting a calculator with your money.

Start with a single calculation.

Pick a goal, drag a slider, and see what your money can do over time.

Plan your goal Read insights