Hi, I'm the person who got too curious about spreadsheets.

Somewhere between debugging a payments pipeline at 11pm and half-heartedly building yet another Excel sheet to figure out my own home loan, I had an uncomfortable realisation: I understood banking systems for a living, and I still couldn't answer a simple question about my own money without twenty minutes and three tabs of contradictory blog posts.

So I built the tool I wanted. Then I kept adding to it, because it turns out "just one more slider" is a very dangerous sentence to say to yourself at midnight.

Who's behind this

I'm a backend software engineer: the kind who spends the day writing the systems that move money around inside a large financial institution, and the evening wondering why none of the public-facing tools for personal finance felt half as rigorous as the internal ones. PlanMyLoans is what happens when that itch doesn't go away.

I'm Saksham Tandon, and I'm not a financial advisor, a CA, or a wealth manager with a nice suit and a nicer office. I'm an engineer who likes numbers to add up, and who got mildly obsessed with modelling exactly how a home loan interacts with a mutual fund, a bank account, prepayments, and the Indian tax code, all at the same time, live, without needing to open Excel.

Why this site exists

Most loan calculators online do one thing: they compute an EMI and stop there, as if that's the whole story. It isn't. The real question anyone buying a property is asking is messier: "If I split my savings this way, will I still be okay in five years? What does prepaying save me? Is my SWP going to run dry before my loan does?" Nobody was answering that question with a tool you could just play with, so I built one.

There's also a smaller, pettier reason: I got tired of financial content that either oversimplifies everything into "just invest in SIPs" or buries you in jargon that assumes you already have a finance degree. I wanted something in between: rigorous enough to trust, plain enough to use.

What you'll find here