About LastEMI

LastEMI exists because Indian home loan borrowers deserve honest, math-backed tools — without being sold to, called by DSAs, or tricked into affiliate links.

Why We Built This

Every existing home loan calculator in India is built by a bank, an NBFC, or an aggregator. They all have a conflict of interest — they want you to take more debt, not less. LastEMI has no such conflict. We make money from a Pro plan, not from selling your phone number.

What Makes Us Different

• No lead generation — we never ask for your phone number or sell your data to banks or DSAs.
• Honest calculations — we show you when prepayment does NOT make sense, not just when it does.
• RBI rules cited — we explicitly state that floating rate loans have zero prepayment penalty by RBI mandate.
• Indian context — ₹ format, financial year grouping (April–March), SBI/HDFC/ICICI rates by name.

Our Calculators

All calculators are free, require no registration, and work on mobile. The Pro plan (₹299/month) adds loan tracking, payoff planning, and consolidation analysis for borrowers with multiple loans.

Privacy Pledge

We do not capture phone numbers. We do not make cold calls. We do not share your data with banks, NBFCs, or DSAs. Calculator inputs stay in your browser unless you explicitly create an account.

Contact

Email: hello@lastemi.com