# Smart Loan EMI Calculator — EMI Calc - Credit Score AI

> EMI Calc - Credit Score AI (iPhone/iPad app by Savan Bhimani.)

- Source: https://appshunter.io/ios/app/smart-loan-emi-calculator/id6760187974 (this page in markdown: same URL + `.md`)
- Developer: [Savan Bhimani](https://appshunter.io/developer/1725963170)
- Category: Finance
- Price: Free
- Age rating: 4+
- Requires: iOS 26.0 · 9 MB
- Languages: American English
- Released: 2026-03-11
- Data updated: 2026-05-15
- User reviews in markdown: https://appshunter.io/ios/app/smart-loan-emi-calculator/id6760187974/reviews.md

## What is Smart Loan EMI Calculator?

Plan your finances smarter with a powerful loan calculator and EMI calculator designed to help you calculate monthly payments, loan interest, and repayment schedules with ease.

Whether you are applying for a home loan, personal loan, car loan, education loan, or gold loan, this smart loan calculator helps you understand your EMI, total interest, and full repayment cost before making any financial decision.

- EMI Calculator and Monthly Payment
Calculate your loan EMI (Equated Monthly Installment) instantly using a fast and accurate EMI calculator. Enter the loan amount, interest rate, and tenure to get a complete monthly payment breakdown.

- Loan Amortization Schedule
View a detailed amortization schedule that shows the breakdown of principal and interest for each payment. Track your loan repayment month by month and understand how your balance reduces over time.

- AI Loan Advisor
Get personalized AI-powered financial advice based on your loan calculations. Understand whether your EMI is affordable and discover better strategies to manage and repay your loan efficiently.

- Smart Loan Recommendations
Enter your income, credit score, and income source to receive intelligent suggestions for different types of loans including home loan, personal loan, car loan, education loan, and gold loan.

- Credit Score Insights
Understand how your credit score affects your loan eligibility, interest rates, and approval chances. Get insights to improve your financial profile and make better borrowing decisions.

- Why Choose This Loan Calculator
This app provides a fast and accurate EMI calculator, detailed loan repayment insights, an advanced interest calculator, and AI-based financial guidance in a simple and user-friendly interface.

Perfect For
This app is ideal for planning a home mortgage, calculating car loan EMI, managing personal loans, estimating education loan repayment, and understanding loan interest and monthly payments.


## Version history (last 3 releases)

### 1.2 — 2026-03-24

Added Prepayment Calculation.
Added Loan Compare feature.

### 1.1 — 2026-03-16

Bug fix in Generating AI advice.

### 1.0 — 2026-03-12

No release notes.

## More apps by Savan Bhimani

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All apps by Savan Bhimani: https://appshunter.io/developer/1725963170

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-05-15.*