Plan every EMI before you sign the loan.
ZyEMI is an advanced EMI calculator and loan simulator. See EMI, total interest and payoff time, add extra EMIs or lump-sum prepayments, export a PDF report and even compare two EMI scenarios side by side.
Advanced EMI Calculator
₹ 24,523 / month
EMI for ₹15,00,000 at 8.9% for 10 years with your current settings.
Total payment
₹ 29,42,760
Total interest
₹ 14,42,760
PDF report
1-click export
Use sliders or type values to see EMI, principal and interest change in real time with charts.
EMI Comparison
Save ₹ 2,18,000 interestScenario A
₹ 24,523 EMI
15 years
Scenario B
₹ 27,800 EMI
12 years
Result
36 months earlier
lower total interest
Compare two bank offers or two tenures and see which EMI plan actually saves more money.
All your EMI tools in one place.
Start with the EMI calculator, then use the EMI comparison tool to test different loan amounts, interest rates and tenures so you don't overpay on interest.
EMI Calculator & Loan Simulator
Calculate EMI, total interest and payoff time with sliders and manual input. Add extra EMIs, lump-sum prepayments and view detailed charts.
- EMI breakdown
- Principal vs interest chart
- PDF export
EMI Comparison Calculator
Compare two EMI scenarios side by side. Change amount, rate or tenure and see difference in EMI, total interest and months saved.
- A vs B EMI
- Interest saved
- Payoff time saved
SIP, FD & Tax Calculators
Next phase of ZyEMI will bring SIP returns, FD maturity, recurring deposit and simple tax impact views, all with the same clean charts and reports.
These tools will integrate with your EMI data so you can see loans and investments together.
Why use ZyEMI instead of a basic EMI calculator?
Most EMI calculators only show a monthly EMI number. ZyEMI goes deeper. You see how much you pay as interest over the full loan, how your outstanding balance falls every month, and what happens when you add extra EMIs or make a one-time prepayment. The EMI comparison tool lets you test different bank offers or tenures so you can choose the plan that saves the most interest.
Visual EMI breakdown
Charts for outstanding balance and cumulative principal vs interest help you understand where your money is going.
Real prepayment impact
Try extra EMI and lump-sum options to see how many months you can shave off and how much interest you save in rupees.
Shareable reports
Export a clean PDF summary from the EMI calculator and take it to your bank, loan agent or keep it in your records.