Comparison

EMI Calculator vs KishtSathi

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

EMI Calculator

Calculate EMIs, loan eligibility, and interest rates for various loan types. Offers detailed amortization schedules, loan comparison, and moratorium impact analysis. Supports multiple currencies and offline use.

Highlights
  • EMI Calculation
  • Loan Eligibility
  • Reverse Calculations
  • Loan Comparison
  • Amortization Schedule
  • Offline Mode
  • Multi-Currency Support
Features
Read full description

EMI Calculator PRO is a powerful and easy-to-use financial tool designed to help you calculate EMIs, loan eligibility, interest, tenure, and moratorium impact for all major types of loans. Whether you’re planning a Home Loan, Car Loan, Bike Loan, Gold Loan, Business Loan, or Commercial Vehicle Loan, this app provides accurate results instantly — even offline. The app also supports reverse calculations, loan comparison, detailed amortization schedules, and advanced Moratorium Calculations to help you make informed financial decisions. EMI CALCULATION FEATURES - Calculate EMI Enter Loan Amount, Interest Rate (%) and Loan Tenure (Years / Months) - Reverse EMI Calculations Calculate Loan Amount Calculate Loan Tenure Calculate Interest Rate - Compare Loans Compare EMI, interest, and tenure across multiple banks - Loan Profile Management Save complete loan details such as: Loan Name & Bank Name Loan Account Number Loan Date & First EMI Date Processing Fees Total Loan Amount & Total EMI Payable - Amortization Schedule Month-wise & Year-wise breakup Indian Financial Year (April–March) US/UK Financial Year (January–December) - History Reuse past EMI calculations anytime - Multi-Currency Support INR (₹) – Crore, Lakh, Thousand format USD ($) – Trillion, Billion, Million format - Offline Mode No internet connection required ------------------------------------------------------------------------------------------------------- HOME LOAN FEATURES (For Indian Users) - Home Loan Eligibility Calculator Check eligibility based on: Monthly Income / Salary Property Market Value - Latest Home Loan Interest Rates (ROI) Compare interest rates of various banks - Documents Required Complete document checklist for: Salaried Individuals Business Owners Self-Employed Professionals Across Public Banks, Private Banks & Housing Finance Companies (HFC) - EMI per Lakh Know EMI payable for every ₹1 Lakh at different interest rates - FAQs & Financial Articles What is EMI? How EMI is calculated How to use EMI Calculator - Balance Transfer (BT) + Top-Up Calculator Find potential savings when refinancing your loan MORATORIUM CALCULATOR (NEW FEATURE) Calculate the impact of moratorium on your loan for: Home Loans Business Loans Gold Loans Commercial Vehicle Loans Other Loan Types Moratorium results include: No. of Moratorium EMI Paid Revised EMI after Moratorium Revised Loan Tenure after Moratorium -------------------------------------------------------------------------------------------------------------------------- This App is developed at ASWDC by Kishan Akbari(23010101007),a 6th Sem Computer Science and Engineering Students. ASWDC is Apps, Software, and Website Development Center @ Darshan University, Rajkot run by students & staff of Computer Science and Engineering Department. Call us: +91-97277-47317 Write to us: aswdc@darshan.ac.in Visit: http://www.aswdc.in http://www.darshan.ac.in Follow us on Facebook: https://www.facebook.com/DarshanUniversity Follows us on Twitter: https://twitter.com/darshanuniv Follows us on Instagram: https://www.instagram.com/darshanuniversity/

About

KishtSathi

Features
Read full description

KishtSathi is a professional loan and EMI calculator designed for finance companies, NBFCs, microfinance institutions, loan agencies, and financial professionals. It helps calculate loan repayments quickly and accurately, making daily financial operations faster and more reliable. Features * Flat Interest EMI Calculator * Reducing Balance EMI Calculator * Monthly, Weekly, Daily & Custom EMI calculations * Loan Amount, Interest Rate & Tenure calculations * Offline calculation support * Fast, accurate and easy to use interface Designed For * Finance Companies * NBFCs * Microfinance Institutions * Loan Agents * Collection Executives * Financial Consultants KishtSathi is built to simplify loan calculations with accuracy, speed, and a clean professional interface, making it an ideal companion for finance professionals.

Screenshots

EMI Calculator4 screens
KishtSathi4 screens

Verdict

The call

The clearest difference is iOS requirement: EMI Calculator at 12.0 against KishtSathi's 15.6. On price, update cadence, ads and in-app purchases there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

UpkeepUpdate frequency

EMI Calculator ships an update every 5 weeks, KishtSathi every 3 weeks. The most recent releases landed on October 12, 2026 and October 13, 2026 respectively.

Scorecard1 real difference · 8 level
EMI Calculator versus KishtSathi: the parameters behind the verdict, then further details
ParameterEMI CalculatorKishtSathi
PriceFreeFree
Rating5.0 (1 ratings) — better—
Number of ratings1 — better—
Update frequencyEvery 5 weeksEvery 3 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree—
DevicesiPhone, iPodiPhone, iPod
Requires iOS12.0 — better15.6
Further details — not scored
Size47 MB30 MB
Age rating4+4+
DeveloperG SanghaniZikasha Consultancy LLP

In-app purchases

None

EMI Calculator

No in-app purchases

None

KishtSathi

No in-app purchases

Questions

Is EMI Calculator free?
EMI Calculator is free to download, with no in-app purchases.
Is KishtSathi free?
KishtSathi is free to download, with no in-app purchases.
Do EMI Calculator or KishtSathi have ads?
Neither EMI Calculator nor KishtSathi shows ads.
Which is updated more often, EMI Calculator or KishtSathi?
EMI Calculator ships an update every 5 weeks, and KishtSathi every 3 weeks. Most recently, EMI Calculator was updated on October 12, 2026 and KishtSathi on October 13, 2026.

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