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EMIs, every month

Loan tracked. Prepayment surfaced.

Niyra tracks every loan EMI, alerts you before each, and surfaces prepayment opportunities when rates change.

You know this feeling

Forgot when EMI hits

Don't know how much you've prepaid vs principal

Could've prepaid at a better time

What Niyra delivers

EMI calendar

Every loan, every month, mapped.

Prepayment math

How much saved on partial prepayment.

Try saying this to Niyra

What's left on my home loan?

Should I prepay ₹1L now?

Remind me before each EMI.

FAQ

Can Niyra track multiple loans at once?
Yes. Home, car, and education loans each get their own EMI calendar, and she reminds you before every debit.
How does the prepayment feature work?
Ask 'should I prepay ₹1L now' and Niyra runs the math on interest saved against your remaining principal. She surfaces the opportunity; the decision stays yours.
What channel do EMI alerts use?
WhatsApp, Telegram, Discord, or email, whichever you check first in the morning.

Free trial. $0 today. Take a day.

See if Niyra fits how you actually work.

She knows you.

32+

Integrations

OAuth-first

5

Channels

Web, WhatsApp, Telegram, Discord, voice

100+

Native tools

Memory, voice, browser, automation

18

Skills

JIT-loaded per turn

WhatsAppOutbound callsInbox triageCalendar tetrisLong-term memoryAutomation

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AI for loan EMI tracking | Niyra