Web app · Finance
Qist
Every loan, every EMI, every rupee of interest — in one browser tab
Add a home, car, personal, gold, education or family loan and Qist computes the reducing-balance EMI, builds the full amortization schedule, and tracks each payment's principal and interest split against your outstanding balance. Free, no install, no bank login.
Stored in your browser only. Nothing you do in the web version is sent to our servers. Clear your browser data and it's gone — so export a backup from the in-app menu if you want to keep it.
In your browser
What you can do in Qist on the web
Reducing-balance EMI, computed as you type
Enter principal, annual rate and tenure and Qist shows the EMI, the total interest and the total payable before you save — the same P·r·(1+r)ⁿ ÷ ((1+r)ⁿ − 1) formula your lender uses.
The full amortization schedule
Every installment with its due date, principal part, interest part and closing balance, each row showing the split as a two-colour bar so you can watch interest give way to principal.
Payments with a real split
Log an EMI and Qist takes the principal and interest components straight from the schedule, marks that month settled and moves your outstanding balance.
The whole loan book at once
Combined monthly outgo across every active loan, total outstanding, interest paid so far, interest still ahead of you, and the next due date sorted by urgency.
Six loan types, including informal ones
Home, car, personal, gold, education and family or committee loans all live in the same ledger — not just the ones a bank app knows about.
Export what you have
Download any loan's schedule or every logged payment as CSV, or take a JSON backup of the lot.
Screens
Every screen, rebuilt for the browser
-
1
Loans
Combined monthly EMI, active loan count and next due date, with a progress card per loan.
-
2
Loan detail
Outstanding balance, EMI, principal, rate and tenure, next payment, a paid-versus-owed donut and the payment history.
-
3
Amortization schedule
Installment by installment with due date, principal and interest split bar, closing balance, and CSV export.
-
4
Log Payment
The next EMI with its principal and interest components, closing balance after paying, date and note.
-
5
New Loan
Name, lender, type, start date, principal, rate, tenure and payment day — with a live EMI preview.
-
6
Insights
Combined outgo, interest paid and interest ahead, EMI by loan, upcoming due dates and payoff progress.
-
7
Settings
Loan book counts, CSV and JSON export, sample data, erase, and exactly how Qist computes.
Try it with sample data: Loads four loans with real repayment history — a ₹35L SBI home loan 18 EMIs in, a ₹7L HDFC car loan 12 in, a ₹2L Bajaj personal loan 6 in and an ₹80K Muthoot gold loan 2 in — every payment split into principal and interest from its own schedule. You can start fresh at any time.
Ready? It's free.
Sign in once and every All Things AI web app opens instantly. No install, no subscription, no data leaving your browser.
Your say
Is Qist useful? Tell us what to build next.
Sign in to vote.
Tell us what to build next.
Sign in to leave a comment or vote — it takes a few seconds.
Sign in to commentNo comments yet — be the first to say what this app should do next.
Questions
Is the web version of Qist free?+
Yes. Sign in with a free All Things AI account and use every screen — no subscription, no in-app purchases.
Where is my data stored?+
Only in this browser's local storage. Nothing you enter is sent to our servers, so we can't see it, back it up, or restore it. Clearing site data, a private window, or another device starts empty. Export a backup from the in-app menu to keep it.
Do I need an account?+
You can read about the app without one, but you must sign in to open it. Sign-in is free and takes a few seconds with Google.
How is the web version different from the Qist iPhone app?+
The iPhone app sends a local reminder before each due date; the web version has no notifications. Your loans stay in this browser only — export a JSON backup to move them to another device. The schedule screen shows a 30-installment window around your next EMI rather than all 240 rows of a long home loan; the CSV export contains the full schedule.