How many loans can I track simultaneously?

Unlimited — you can add as many home loans, car loans, personal loans, or education loans as needed. There is no cap on the number of loans you can track in the Multi-Loan Portfolio tool. Each loan gets its own individual breakdown with principal vs interest pie chart, while the dashboard shows your combined debt health.

Which loan should I prepay first?

Generally, you should prepay the loan with the highest interest rate first to maximise savings. Personal loans typically carry rates of 12–18% p.a., while home loans are around 8–9% p.a. in India. By targeting high-interest debt first (the avalanche method), you reduce the total lifetime interest paid across your portfolio significantly.

Can I compare different loan scenarios?

Yes, you can add different loan amounts, interest rates, and tenures to see the total impact on your monthly budget. By adjusting individual loan parameters, you can simulate scenarios like taking a shorter tenure or prepaying a specific loan to understand how it affects your combined EMI and total interest outgo.

Free Multiple Loan EMI Tracker India – Portfolio Dashboard (2026)

Q: What is a healthy EMI-to-income ratio?

Financial advisors in India recommend keeping your total EMIs below 40–50% of your monthly take-home salary. For example, if your in-hand salary is ₹1,00,000 per month, your combined EMIs across all loans should ideally not exceed ₹40,000–₹50,000. Exceeding this threshold can strain your cash flow and reduce your ability to save or handle emergencies.

Q: Does this tool store my financial data?

No, all calculations run entirely in your browser using JavaScript. No financial data is sent to any server, stored in any database, or shared with any third party. Your loan details remain completely private and are cleared as soon as you close or refresh the page.

Track all your loans — home, car, personal, education — in one dashboard. See combined EMI, total interest & portfolio health instantly.

Use Free Multi-Loan Tracker →

What Is the Multi-Loan Portfolio Tool?

The Multi-Loan Portfolio Tracker by Smartfoliotools allows you to add multiple loans — including home loan, car loan, personal loan, education loan, and more — and view your combined debt health in a single, intuitive dashboard. The tool displays your total loans count, combined principal, combined monthly EMI, and lifetime interest across all loans at a glance.

Each loan gets its own pie chart showing principal vs interest split, plus a combined portfolio pie chart that visualises your total debt burden. You can add unlimited loans with different amounts, interest rates, and tenures. This makes it ideal for families managing multiple EMIs simultaneously, financial advisors tracking client portfolios, and anyone wanting to understand their complete debt picture.

The tool helps you identify which loan to prepay first — typically the one with the highest interest rate — for maximum savings. All calculations run instantly in the browser with zero data stored anywhere. Your financial data stays completely private.

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Combined Dashboard

See total loans, combined principal, monthly EMI outgo, and lifetime interest across your entire loan portfolio in one view.

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Individual Pie Charts

Every loan gets its own principal vs interest pie chart, plus a combined portfolio chart showing your overall debt breakdown.

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Unlimited Loans

Add as many loans as you need — home, car, personal, education, gold — with different amounts, rates, and tenures.

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Prepayment Strategy

Identify which loan to prepay first by comparing interest rates. Target the highest-rate loan for maximum lifetime savings.

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100% Private

All calculations run in your browser via JavaScript. No data sent to any server, no login required, no cookies for your financial data.

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Instant Results

Results update in real-time as you add or modify loans. No waiting, no page reloads — everything happens instantly.

Who Should Use the Multiple Loan EMI Tracker?

✓ Families with multiple EMIs (home loan + car loan + personal loan) running simultaneously
✓ Financial advisors tracking client loan portfolios and advising on debt management
✓ Young professionals with education loan + car loan planning to buy a house
✓ Anyone wanting to visualise their total monthly debt burden vs take-home salary
✓ People deciding which loan to close first for maximum interest savings
✓ Couples merging finances and wanting to see combined household debt picture

Frequently Asked Questions

Unlimited — you can add as many home loans, car loans, personal loans, or education loans as needed. There is no cap on the number of loans you can track. Each loan gets its own individual breakdown with a principal vs interest pie chart, while the dashboard shows your combined debt health including total EMI, total principal, and lifetime interest across every loan.

Generally, the loan with the highest interest rate should be prepaid first — this is known as the avalanche method. In India, personal loans typically carry rates of 12–18% p.a., while home loans are around 8–9% p.a. By prepaying your personal loan first, you save significantly more on total interest over the lifetime of your loans. Use this tool to compare interest rates across your portfolio and identify the best candidate for prepayment.

Financial advisors recommend keeping your total EMIs below 40–50% of your monthly take-home salary. For example, if your in-hand salary is ₹1,00,000 per month, your combined EMIs across all loans should ideally not exceed ₹40,000–₹50,000. Exceeding this threshold can strain your monthly cash flow, reduce your ability to save for goals, and make it difficult to handle financial emergencies. Banks also use this ratio (called FOIR — Fixed Obligation to Income Ratio) when evaluating new loan applications.

Yes! You can add different loan amounts, interest rates, and tenures to see the total impact on your monthly budget. For example, add your existing home loan and car loan, then add a proposed personal loan to see how your combined EMI and total interest change. This helps you make informed decisions about whether to take a new loan or focus on paying off existing ones first.

No, absolutely not. All calculations run entirely in your browser using JavaScript. No financial data is sent to any server, stored in any database, or shared with any third party. Your loan details remain completely private and are cleared the moment you close or refresh the page. We use Google Analytics only for anonymous page-view statistics — your financial inputs are never captured.