EMI-Free Date Planner: Know Which Loan to Close First & Save Lakhs

Have a home loan, car loan, personal loan or consumer EMIs? Find out exactly which loan to close first, how much interest you'll save, and the month you'll become EMI-free.

What you get
• Money Health Check: your risk level (emergency fund, insurance, credit-card debt, EMI load) and what to fix first
• Budget check: your pay vs the 50/30/20 guideline, and where money leaks
• EMI-free plan: up to 4 loans together, "highest interest first" vs "smallest loan first", and your exact EMI-free month with a countdown
• Safety-first mode: builds your emergency fund before prepaying
Extra payments monthly, quarterly or yearly, with an optional yearly increase
Handles prepayment charges: % charges and fixed fees, including GST
• Progress tracker: log what you owe and see if you're ahead of plan
• The EMI-Free Playbook (PDF): RBI rules on prepayment, how to prepay correctly, getting a lower rate, closing a loan properly, and 4 ready-to-send bank letters
• Field Guide (PDF): what every field means and where to find each number

Formats
Excel (also works in Google Sheets) + an offline web version for laptop or phone. Your data stays on your device. Pay once, use forever.

Example
₹5,000 extra a month on a ₹50 lakh home loan at 8.5% saves about ₹13.9 lakh in interest and 4½ years of EMIs.

FAQ
Does it work on mobile?
Yes. The web version opens in any phone browser; the Excel file works in the Google Sheets app.

How do I get it?
You get an email with all 4 files right after payment.

Is this financial advice?​
No. It's an educational planner. Confirm terms with your lender.

Educational tool, not financial advice. Guideline figures are common references, not rules.