GearsKit - Advanced EMI & SIP Calculators for Smarter Financial Decisions
Intelligent EMI calculators of home, car, personal and business loans with AI-powered insights. Monte Carlo simulations and elaborate visualizations of professional SIP investment planner.
4.9
User Rating
49k+
Monthly Users
100%
Free Forever
Free Online EMI Calculator 2026
Compute EMI of loans immediately on home, car, personal and business loans. Have the correct amortization schedules and financial data in seconds.
Why Choose GearsKit?
100% Free
No hidden fees or signup
Accurate Results
Calculation formula of the bank standards
100% Private
No data storage or tracking
Mobile Friendly
Optimized for all devices
Smart Planning
Improved support of loan decisions
Fast Performance
Real time calculation output
Calculate EMI in Seconds
The most developed EMI calculator in India to use to calculate instant loans. Whether you need a home loan EMI calculator, car loan calculator, or personal loan EMI calculator, get accurate results instantly.
✔ Bank-standard formulas • ✔ 100% Free • ✔ No Registration Required
Enter loan amount & interest rate
Choose tenure in months/years
Get instant EMI calculation
EMI Formula
EMI = [P × R × (1+R)^N] / [(1+R)^N-1]
P = Principal | R = Monthly Rate | N = Tenure
Start Calculating
Your EMI
Today
Make smarter financial decisions with over 49,000+ users. Funny enough our high end EMI calculators will assist you in comprehending your loan EMI, prepayment advantages and coordinate your finances with surety.
Active Users
Free & Private
Loan Types
Smart Calculators for
Every Financial Need
Click any calculator and open it with ready-made market rates, terms and detailed immediate results.
SIP Calculator
The correct projections of the mutual fund are the calculation of SIP returns, future value and long term growth of the investment.
Home Loan
Divide the mortgage EMI according to prevailing market rates. Obtain amortization analysis and part payment analysis.
Personal Loan
In case of marriage, travel or crises. Have eligibility of checks and compare between lender rates.
Business Loan
Calculation of business loan EMI. Examine the effect and repayment plan on cash flow.
Car Loan
Have flexible tenure when buying a car. Check affording and down payment influence.
Education Loan
Finance plan education in terms of moratorium and post-study repayment.
Need Custom Calculations?
Use our modernized custom loan calculator that has flexible loan options, analysis, and recommendations that are driven by AI.
SIP Investment Calculator Plan, Predict & Prosper
Free SIP Calculator with Monte Carlo simulations, inflation-adjusted returns, and 10,000+ market scenarios for accurate investment planning.
SIP Calculator
Advanced Investment Planning
Why Choose Our Advanced Calculator
A intelligent investment planning toolset that leads in the industry
Monte Carlo Analysis
100,000+ market simulations to have real investment forecasts using historical data.
Inflation-Adjusted Returns
The actual returns after adjusting them by inflation, investment charges, and capital market fluctuations to make accurate financial planning.
Scenario Comparison
Compare various investment strategies in parallel with in-depth analytics to select the best strategy.
The Investment Growth Engine
The interactive visualization of your SIP growth with a chart over time is a visualization. Monitor projected wealth growth and plan your investment better.
Investment Planning Insights Trusted by 18,000+ Investors
Real market-driven investment intelligence that is fuelled by sophisticated analytics
Start Your Investment Journey Today
Receive specific investment forecasts and scenario layouts and all-encompassing reports to make solid financial choices and feel certain.
Three Simple Steps
Calculate finances correctly in seconds with an easy-to-use interface
Choose Calculator
Choose between home loan, car loan, personal loan and investment calculators
Enter Details
Enter your financial parameters using our convenient interface
View Results
Calculate at a Glance Detailed charts and comprehensive reports
Why Choose Gearskit
High capabilities that are aimed at detailed financial planning
AI Insights
Intelligent suggestions on your personal financial profile and goals
Visual Analytics
Graphs and charts that are interactive to understand finance
Export Reports
Save consumer reports in PDF files to share and document
100% Secure
Your data is confidential and is not stored in our servers
Comprehensive Amortization Schedule
Full payment of loan of the loan by year by year analysis of the principal, interest, and balance.
Part Payment Analysis
Watch theory of lowering tenure and interest saved by extra payments
Flexible Views
Change between annual and monthly payments
Export & Print
Download entire schedule in PDF format to be used
Frequently Asked Questions
Unambiguous, brief responses to the most frequently asked EMI and SIP enquiries.
1
What is the EMI of home or car loan?
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What is the EMI of home or car loan?
2
Is EMI and SIP calculator provided free of charge?
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Is EMI and SIP calculator provided free of charge?
3
Does the SIP calculate returns when adjusted by inflation?
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Does the SIP calculate returns when adjusted by inflation?
4
Is it possible to compare EMI of various types of loans?
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Is it possible to compare EMI of various types of loans?
5
What is the accuracy of the EMI and SIP results?
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What is the accuracy of the EMI and SIP results?
6
Is it possible to include prepayments or extra payments?
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Is it possible to include prepayments or extra payments?
7
Is my personal or financial data stored by you?
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Is my personal or financial data stored by you?
Loved by Thousands of Users
Watch how Gearskit can make you make better financial choices
"The home loan calculator saved me a 3.2 lakh. The stress was eliminated by the fact that the amortization schedule and AI recommendations were done in detail."
Rajesh Kumar
Home Buyer, Mumbai
"If not complicated, precise, and more than useful. The SIP calculator demonstrated that I could get an amount of 50L or more in 15 years with small monthly deposits. Highly recommended!"
Priya Sharma
Investor, Bangalore
"Best financial calculator on the planet. Loan applications are perfect in the PDF export feature. The interface is user friendly and the results are immediate!"
Amit Patel
Business Owner, Delhi
Monthly Users
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Start Your Financial
Planning Journey Today
Join 49,000+ users who believe Gearskit to have been faithful, thorough, and insightful in the financial calculations.
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Financial Calculators
49k+
Monthly Users
100%
Free to Use
4.9★
User Rating