Emiko: Loan & EMI Calculator

Emiko works out the instalment, the total interest and the full repayment schedule for a home, car or personal loan, and what an extra payment saves. It works offline. What it does • The schedule month by month or year by year, with charts of where the money goes and how the balance falls. • Equal instalments or equal principal repayment. • An extra payment every month or one extra payment, and the months and interest it saves. • A down payment, a trade-in, an upfront fee and monthly costs such as tax or insurance. • Plans saved on the phone, renamed, duplicated and compared side by side. • The schedule shared as a CSV file, or a summary as text or an image; every plan backed up to a file and restored later. • Any currency, with the number format chosen in Settings. • Eight languages: English, 中文, Español, Português, Bahasa Indonesia, हिन्दी, العربية and Français. Private by design • No account: the figures and saved plans stay on the phone. • One Google AdMob banner ad; where the law asks for consent, consent is taken first. Estimates only • Emiko calculates with a fixed interest rate compounded monthly. A lender’s figures may differ. Emiko does not offer loans and is not financial advice.

Remove ads with a one-time purchase, a share-as-image card with notes, flat-rate and interest-only car loans, and smoother layouts.