This page explains exactly how Visual EMI Calculator works — what runs locally in your browser,
how EMI computations are handled, and what technologies power the site.
We aim for full transparency to ensure user trust and accuracy.
Privacy at a glance: All calculations occur directly in your browser.
We DO NOT store, log, or send your inputs or results to any external server.
1) Core Calculation Logic
Purpose: Calculates EMIs for multiple loan types — Home Loan, Car Loan, Business Loan, Gold Loan, Education Loan, Property Loan, Commercial Vehicle Loan, Personal Loan, and Two-Wheeler Loan. It computes the monthly EMI, total interest payable, and total payment, supporting EMI methods such as Reducing Balance, Interest First, Deferred Payment, and Balloon Payment.
Note: No external financial or math libraries are used; all logic is custom-built for precision and efficiency.
1.1 Implementation Summary
- Each EMI computation is handled using optimized C# arithmetic functions.
- Supports multiple EMI methods including Reducing Balance, Interest First, Deferred Payment, and Balloon Payment.
- Extra EMIs, lump-sum payments, and annual EMI increases are calculated to reduce tenure or total interest effectively.
- No external computational libraries are used — all formulas and logic are implemented natively in .NET.
2) EMI Calculations
- Calculate monthly EMI, total interest, total payment, and principal breakdown with ease.
- Extra payments and EMI increases are incorporated to provide flexible repayment options.
- All computations are accurate for all loan tenures, interest rates, and principal amounts.
3) Visualization Methodology
After calculations are completed, the results are displayed using clean and responsive HTML and CSS elements. No external JavaScript or third-party libraries are used for computation or rendering. This lightweight, dependency-free design ensures compatibility across all devices — from basic smartphones to advanced desktops — while maintaining excellent performance, speed, and accessibility.
4) Application Stack
Frontend: ASP.NET (Web Forms), HTML5, CSS3, JavaScript
Language: C#
Database: Microsoft SQL Server
Target Framework: .NET Framework
Note: No user-entered data or results are stored on the server.
5) Accessibility & UX Notes
- Input fields allow users to enter loan amount, interest rate, tenure, and any extra payments or adjustments for accurate EMI calculations.
- High-contrast colors and clear formatting improve readability.
- The site’s UI meets accessibility standards, ensuring it is navigable and legible across devices.
6) Security & Integrity
- All user interactions and calculations are performed locally in your browser.
- No cookies, session storage, or analytics are linked to individual EMI calculation data.
Contact Us
Have questions or suggestions? Reach the Visual EMI Calculator team through our
Contact Page.
We welcome feedback to improve accuracy, performance, and accessibility.