Follow these quick steps to track loans, EMI plans, payments, and Net Worth links with confidence.

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   Step 1: Add each loan

   Enter the loan name, amount borrowed, yearly interest rate, and start date. You can mark a loan as already running if you are catching up mid-way.

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   Step 2: Attach an EMI plan when needed

   Open the EMIs tab and add a Standard EMI or Fixed principal plan. Loans without a plan still track principal and manual payments.

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   Step 3: Record payments and installment outcomes

   Use the Payments tab for extra prepayments. Past EMI dues count as paid automatically; use Partial, Skip, or Note when reality differs from the plan.

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   Step 4: Compare prepay versus invest

   On a loan row, open Prepay or invest to see interest avoided if you prepay versus growth if you invested the same cash at your assumed return.

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   Step 5: Link loans into Net Worth

   Use the landmark icon on a loan to add its outstanding balance as a Net Worth liability. Delink anytime from Loan Manager or Net Worth.

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   Step 6: Keep rates and balances current

   When a floating rate changes or you get a new statement, update the rate or opening details so what you still owe stays realistic.