Trusted by 10K+ Users

Choose Your Plan

Start with powerful free tools. Upgrade to Power Tools when you're ready for active loan management and AI-powered insights.

Smart Planning

Everything you need for smart loan planning

$0/forever
EMI Calculator (Unlimited)
Share Loan Analysis with others
Flat vs Reducing Rate Analysis
Interactive Charts & Visualizations
Detailed Loan Amortization Schedule
Multi-Currency Support (20+ currencies)
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Power Tools

Complete loan management with AI insights

$30/year

Only $2.50/month when billed annually

Everything in Smart Planning
Smart Intelligence & AI Insights
Personalized Prepayment Strategies
AI-Powered Loan Optimization
Side by side Loan Comparsion
Save loan calcualtions for future analysis
Portfolio Performance Dashboard
Smart Alerts & Notifications
Early Access to New Features
Priority Email Support

Frequently Asked Questions

Everything you need to know about our pricing and features

Why is Smart Planning completely free?

We believe everyone deserves access to smart financial planning tools. Our free tier includes everything needed for loan planning and comparison.

What makes Power Tools worth the investment?

Power Tools transforms you from planning loans to actively managing them. Track real loans, get AI-powered optimization insights, and save thousands with smart prepayment strategies.

Is there a free trial for Power Tools?

Yes! We are working to offer a 7-day free trial for Power Tools soon so you can experience the full benefits before committing.

Can I cancel anytime?

Absolutely! Cancel your Power Tools subscription at any time. You'll retain access until your current period ends, then revert to our generous Smart Planning tier.

How does the AI-powered optimization work?

Our AI analyzes your loan data, payment patterns, and market conditions to provide personalized recommendations that can save you thousands over your loan's lifetime.

Ready to Optimize Your Loans?

Join thousands of users who trust Smart EMI to save money on their loans. Start with our comprehensive free tools, upgrade when ready.