1. Add a loan
Open Add Loan, enter institution, amount, rate type, interest method, term and opening date, then save.
How to use every tool
Visual instructions for loans, payments, EMI, eligibility and statements.
2. Select & analyse
Select a loan and choose an analysis date to view estimated balance, interest and total.
3. Add payments
Enter payment date and amount. Interest/principal allocation and loan analysis update.
4. EMI Calculator
Choose reducing or flat interest, amount, rate and months/years. Amortization updates live.
5. Eligibility Calculator
Add income and deductions, DOB, service age, rate and term. Review current limit and approved amount.
6. Luxury statement
Choose Black & Gold or White & Gold and use Print / Save PDF.
Rate type vs interest method
Rate Type
Fixed means the annual rate stays fixed in the model. Variable means it can change over time.
Interest Rate Method
Reducing / compound uses outstanding balance. Simple / flat uses original principal in this model.