GearsKit - Advanced EMI & SIP Calculators for Smarter Financial Decisions

100% Client-Side | Zero Data Tracking
The Financial Decision Engine
For your Loans & Investments

Stop guessing about your future — Engineer it. Advanced projection tools combining bank-grade math with clear, actionable insights.

Explore Our Tools Live Market Rates

Privacy

100% Secure

Formulas

Bank Grade

Updated

FY 2026 Ready

Example Scenario

Home Loan Projection

Standard Repayment Plan

Principal

₹60L

Rate

7.75%

Tenure

20 Yrs

Principal (51%) Interest (49%)

Monthly EMI

₹49,257

Total Interest

₹58.2 Lakhs

AI Insight: Pre-pay ₹5k/mo to save ₹12.7 Lakhs in interest.
Calculate Your Loan Now
Algorithms Updated: FY 2026-27

Financial Control Panel

Select a free calculator below to generate instant projections. No login required.

Most Used

Home Loan

Reducing Balance

Detailed amortization schedules with pre-payment return analysis.

Calculate EMI
Wealth

SIP Projector

Inflation Adjusted

See how small investments turn into long-term wealth with our SIP projector.

Plan Investment

Personal Loan

Quick Check

Instant affordability check for weddings, travel, or medical emergencies.

Check Eligibility
Car Loan
Ownership Cost
Education
Moratorium Logic
Business
Cashflow Analysis
Custom Tool
Advanced Builder
The GearsKit Advantage

Why Estimate When you can Engineer?

Majority of calculators just show the monthly payment. We reveal the hidden costs, the inflation impact, and the fastest way to achieve financial freedom.

The Debt Trap

"I'll just pay the minimum EMI for 20 years."

Banks love long tenures because you pay twice the principal in interest. Our Smart Loan Engine calculates how small prepayments can save you lakhs.

  • Pre-payment Impact Analysis
  • Tenure Reduction Planner
Optimize Home Loan

The Wealth Illusion

"₹1 Crore sounds like enough for retirement."

Inflation eats your money while you sleep. Our SIP Projector is inflation-adjusted, showing you the true purchasing power of your future wealth.

  • Inflation-Adjusted Returns
  • Step-Up SIP Modeling
Project Real Wealth

The Privacy Tax

"I checked a rate, now agents won't stop calling."

Financial planning requires honesty, not sales calls. GearsKit is developed on a Zero-Knowledge Architecture. Your data doesn't go out of your browser.

  • Client-Side Computation
  • No Phone Number Required
Always Private

Quick Access: Select a Tool

Home Loan
Detailed Amortization
SIP Planner
Wealth Projection
Personal Loan
Eligibility Check
Car Loan
Ownership Cost
Education
Moratorium logic
Business
Cashflow logic

Engineered for Accuracy

SSL Secured
Indian Standards
Local Computation
STRATEGIC PLANNING

Don't Just Calculate. Strategize.

Majority of people use calculators to check a monthly payment. Smart investors use them to create a roadmap. Select your current life stage:

Early Career & Growth

Pay attention to aggressive wealth accumulation and tax efficient planning.

Family & Assets

Optimizing big loans and managing cash flow for major purchases.

Business & Legacy

Capital management for business growth and custom financial modeling.

Knowledge Base

The Financial Lexicon

Master the mechanics of money. Simple, accurate explanations for complex banking and investment terminology.

Amortization

The mathematical process of spreading out a loan into a series of fixed payments. You pay mostly interest early on, and mostly principal later.

Used In Home Loans

Compounding

The phenomenon where you earn interest not just on your original investment, but also on the interest that investment has already accumulated.

Used In SIP Planner

Moratorium

A legally authorized grace period during which you are not required to make loan repayments. Note: Interest usually continues to accrue during this time.

Used In Education Loans

Reducing Balance

An interest calculation method where the bank only charges interest on the remaining principal amount, rather than the original borrowed amount.

Used In Personal Loans
Browse Full Glossary
Market Intelligence

Financial Engineering 101

Data-driven analysis on Wealth Creation, Tax Efficiency, and Debt Structuring.

View All Analysis
🏠 The Cash Flow Quadrant: Smarter Home Loan, Bigger Returns
Home Loan

🏠 The Cash Flow Quadrant: Smarter Home Loan, Bigger Returns

Stop Just Paying EMI—Start Building Wealth Instead. What if your home loan could fund your investments? The Cash Flow Quadrant Strategy reveals how to use a Flexi Loan to create a "wealth recycling loop" that reduces interest while generating returns. Learn the exact method to: ✓ Slash 5+ years off your loan tenure ✓ Create investment capital from your loan balance ✓ Master the "bonus hacker" technique for salaried professionals ✓ Transform your mortgage from liability to asset

🚀 Avoid Costly Loan Mistakes—Make Smarter Decisions with Gearskit
EMI Calculator

🚀 Avoid Costly Loan Mistakes—Make Smarter Decisions with Gearskit

Think a low EMI means your loan is safe? In 2026, that belief is destroying finances silently. Discover the 3 hidden loan traps banks don’t explain—and how smart borrowers avoid lakhs in losses before signing the loan.

Why Silver Prices Crashed After Hitting Record Highs
Financial Markets

Why Silver Prices Crashed After Hitting Record Highs

Silver prices dropped precipitously down to record levels and investors were left scrambling to find an explanation. This in-depth discussion can be used to explain the actual causes of the crash in the prices of silver such as profit booking, market correction, industrial demand issues as well as the macroeconomic indicators-and what long-term silver investors should do now.

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Popular Topics:

Anthropic-AI Budget-India Precious-Metals-Market SipCalculator BusinessLoan PersonalLoan HomeLoan
HELP CENTER

Frequently Asked Questions

Clear, straightforward answers about our financial calculators, privacy policies, and calculation methodologies.

1

How do I calculate my home loan, personal loan, or car loan EMI?

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Simply enter total loan amount, interest rate, and tenure into our calculator. Our Financial engine instantly computes your monthly EMI, total interest payable, and generates a detailed monthly amortization schedule with AI Recommendations.
2

Are the GearsKit financial tools completely free?

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Yes, absolutely. The entire GearsKit financial decision engine tools including our advanced Step Up SIP projectors, EMI calculators, and loan affordability tools are 100% free to use with no hidden fees, login, or registration required.
3

Does the SIP calculator adjust for inflation and salary hikes?

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Yes. Unlike basic calculators, our Step Up SIP projector adjusts for average inflation rates and allows you to increase your investment monthly (the "Step Up") to give you a highly realistic, inflation adjusted estimate of your future wealth.
4

Can I compare different types of loans?

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Yes. We have trailored calculators for Home, Car, Personal, Education, and Business loans. Each one is designed for its specific loan type, so you can easily compare interest costs, cash flow effects, and repayment schedules.
5

How accurate are the EMI and mutual fund projections?

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Our calculators use reliable, bank grade formulas that align with RBI standards and common banking methods. The mathematical projections are based on your inputs, but real loan offers might differ a bit due to things like processing fees, your credit score, or changes in floating rates.
6

Can I check how loan pre payments affect my tenure?

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Yes. Our advanced loan calculators include a pre payment analysis feature. You can test lumpsum payments to see exactly how much interest you\'ll save and how many months you\'ll cut from your loan tenure
7

Is my financial data safe? Do you store my numbers?

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Your privacy is our top priority. All calculations happen entirely on your device (client side logic). We do not track, store, or save any of your financial data, salary inputs, or loan amounts on our servers.