A net worth view is only half a view without the loan
Wealth and mutual fund apps show what a user owns. A home loan that quietly grew longer is a liability they may never have seen written down. LoanRepo's tool brings it into the app, with the user in control.
What your users would see
Why it fits
- Goals meet liabilities. A goal plan that ignores a 20-year loan is incomplete. The tool shows the loan's drift, so a planner and a user can talk about it.
- Useful to advisers. A registered adviser can use the result as a conversation starter. The tool itself gives no advice.
- Light to integrate. No account linking and no data feed. A frame, a script, and an optional hand-off.
Where goals meet the loan
Once the user adds the loan, a goal such as "stop working full time in 11 years" can show a plain fact: the loan now ends in July 2045, so 93 EMIs, about Rs 35 lakh, are still due after the goal date. A button copies a short summary the user can paste to their adviser. Try it below. It uses a made-up app and made-up figures. Scroll inside the frame.
- Net worth with the loan in it. The home loan sits beside the home's value, so the user sees what they own and what they owe in one list.
- A count of payments, not a forecast. The screen says what happens at today's EMI and rate, and that both can change.
- The adviser stays the adviser. The summary is a conversation starter. Any advice stays with the registered adviser.
How it works
No API and no sign-up. Readers or users type a few numbers; the calculation runs in their browser; nothing they type is stored. You get an anonymous count of use, and anything under 10 is hidden. Details are in the data and privacy note and the embedding guide.
Questions
Can an adviser use it with clients?
Yes, as a way to see what has happened to a loan. It is education, and any advice stays with the adviser under their own registration.
Does it work for loans from any lender?
Yes. The user types the balance, rate, EMI, tenure and months paid from their own statement. It does not depend on the lender.
What does the user see?
Months of drift, when the loan now ends compared with when it was due, and a plain note on the choice lenders usually offer at a reset.