Loan Tracker & Smart Repayment Simulator
Already paying a loan? Now manage it smarter.
Track all your loans, predict payoff dates, test prepayments, understand EMI burden and unlock Smarter ways to save more on interest.
- No signup needed for calculator
- Free to start
- Built for ongoing loans
Loans Tracked
Active Borrowers
Interest Saved
Avg. Rating
+1500 More
Calculator only goes so far. Track your real loan to unlock signals.
Save unlimited loans, get AI prepayment alerts, and see your live EMI burden. Free to start.
The Toolkit
What you can do with Repayright
Five capabilities, one dashboard. Free calculator gets you started with full tracking, AI signals and EMI burden live in your free account.
FREE
Track multiple
loans
Add and manage all your loans in one dashboard. Home, Car, Education, Personal, +23 more.
FREE
Predict your
closure
See your real, amortization-aware payoff date. Not a vague estimate.
FREE
Simulate
prepayments
Test one-time or monthly prepayments. See tenure, EMI, and interest move in real-time.
FREE
Understand EMI
burden
Know how much of your income an EMI eats: Healthy, Watchful, or Risky.
AI
AI Repayment
Signals
An always-on copilot reads your EMIs and flags the next best move every month.
Beyond The Calculator
The complete loan tracker app
Calculator is free and instant. The app is where tracking actually begins. Set up in 90 seconds, free forever.
Live amortization tracking
Every EMI updates principal vs interest in real-time.
AI prepayment signals
Know when, how much, and which loan to prepay first.
Multi-loan dashboard
Home, Car, Education, Personal, combined burden in one view.
Export & share reports
PDF amortization, interest summary taxman ready.
Secured, Trusted Data
Data Encryption, client side rendering. We never sell your data. Ever.
Setup in 90 seconds
The Toolkit
Built for every type of borrower in India
From first-time home buyers to multi-loan holders. Each borrower profile gets dashboards and signals tuned to it.
Home loan users
Track long-term home loans, rate resets, and prepayment savings.
62% of users
Education borrowers
Manage moratoriums, partial disbursements, and step-up repayment.
14% of users
Personal loan users
Higher-cost debt, attacked smarter, where to prepay first.
11% of users
Business owners
Cashflow impact across overlapping working-capital and term loans.
7% of users
Multi-loan holders
One ledger for every dashboard, every EMI, every closure date.
6% of users
The Toolkit
See the hidden cost of Delay
Even a small delay or a missed prepayment can cost you lakhs in extra interest and add years to your loan. Here is what it actually looks like, in numbers.
12
months
Delay 12 months
+ ₹1,84,000 in interest
If you pay only interest (no principal) for 12 months on a ₹40L loan @ 8.75%.
0x
prepay
Skip prepayment
+10 months added to loan
Skipping one yearly prepayment stretches your tenure by 10 months.
42%
burden
High EMI burden
Less savings, more stress
When EMI consumes >40% of income, every shock becomes a crisis.
Setup in 90 seconds
Impact of delay on your loan
2024 — 2033
Three Paths Forward
Smart prepayment scenarios
Compare options and choose what works best for you. Repayright models the trade-off in seconds.
Option A
Reduce EMI
Pay ₹50,000 today
New EMI
₹21,450
You save
₹2,30,750
Tenure
UNCHANGED
Stress
ERASED
BEST
Option B · Recommended
Reduce Tenure
Pay ₹50,000 today
New EMI
₹24,650
You save
₹3,48,750
Tenure Cut
18 MONTHS
Closure
2038
Option C
Split Across Loans
Distribute prepayment
Avg saved
₹1,01,200
Tenure cut
−2,720 days
Across
3 loans
Cashflow
High
Stress Test
Understand your EMI burden in seconds
See how much of your monthly income goes into EMIs and whether your repayment load is healthy.
68%
High Risk
of take-home salary going into loan repayment
- Healthy < 30%
- Watchful 30–40%
- High Risk > 40%
The Difference
Why borrowers stay with Repayright
A clearer head, every month. Side by side, the difference is plain.
Before Repayright
With Repayright
- Just paying EMIs blindly
VS
- Know what to do next
- No clarity on payoff date
VS
- Track loan-free date live
- Unsure when to prepay
VS
- Signals based on numbers
- Multiple loans feel messy
VS
- One dashboard, one mind
- Spreadsheet chaos
VS
- Auto-synced, always current
The Foundations
Built right. Secured right. Learn forever.
Built for how loans actually work in India
Floating rates, top-ups, partial disbursements, calibrated to RBI & bank realities.
- Floating interest rates & resets
- Moratorium & step-up periods
- Partial disbursements
- Home loan top-ups
- Prepayment choices & charges
Private by default
Your financial data stays yours. End-to-end encryption. No data selling. No exceptions.
- AES-256 end-to-end encryption
- Private dashboards, never shared
- No ads, no data brokers
- Export or delete anytime
Learn to repay smarter
Free guides: short, sharp, and India-specific.
- AES-256 end-to-end encryption
- Private dashboards, never shared
- No ads, no data brokers
- Export or delete anytime
- Prepayment choices & charges
Pricing
Free now. Pro when you're ready.
Calculator is permanently free. Loan tracking is free. Unlock AI Repayment Signals, advanced simulations and unlimited loans with Pro.
Free Forever
Repayright Free
Everything an Indian borrower needs to start tracking smarter.
₹0
/forever · no card
- EMI & amortization calculator
- Track up to 3 loans
- Prepayment simulator
- EMI burden insights
- Email reminders for EMI dates
Pro
Most popular
Repayright Pro
For multi-loan holders and serious savers.
₹199
/month · or ₹1,499/year
FREE
For 6 Months
- Everything in Free, plus:
- AI Repayment Signals (monthly)
- Unlimited loans + multi-borrower
- Tax-ready interest reports (PDF)
- Priority Support
Questions, Answered
Frequently asked questions.
Honest answers. If we missed something, our team replies on WhatsApp within a day.
Is this calculator really free?
Yes, the calculator is 100% free, no signup, no card, no usage caps. The full loan tracker (multi-loan, EMI burden, AI signals) is also free to start. You only pay if you upgrade to Pro.
Can I track multiple loans?
Yes. Track home, car, education, personal, business loans together. Free tier supports up to 3 loans; Pro is unlimited.
How do AI Repayment Signals work?
Repayright reads your EMI schedule, salary cycle and prepayment headroom, then flags the next best move (prepay, split, wait) every month, with the rupee impact attached.
Can I simulate prepayments?
Yes. One-time, recurring, partial. Compare “reduce EMI” vs “reduce tenure” vs “split across loans” side by side, instantly.
Is my data secure?
AES-256 encryption end-to-end, isolated dashboards, no third-party data selling. You can export or delete everything anytime.
Does it support all Indian loan types?
Reducing balance, flat, step-up, moratorium, partial disbursement, calibrated to how SBI, HDFC, ICICI, Axis, Kotak, PNB, and 32 more compute EMI.
What if I cancel Pro?
Cancel anytime, you keep all your data and revert to the Free plan. No clawbacks. No surprise charges.
You already took the loan
Now take back control.
Join 2.4 lakh+ Indian borrowers who use Repayright to track loans, save interest, and get out of debt sooner.