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EMI Calculator & Tracker
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EMI Calculator & Tracker · Available now

Keep loan decisions and provider movements traceable.

EMI Calculator & Tracker organizes the operational record around a borrower loan request. A Credit Officer records the application, requested principal, organization, borrower and owner.

Start now Download Proto
  • No per-user fees
  • Manual work is free
  • Configure it in Proto
OverviewApplications by status
EMI Calculator & Tracker · Loan applications

Applications by status

Loan applications in one list

New loan application
Loan applications in view
6
Total requested principal USD
2,550
Draft
1
Review
1
Draft1
Home improvement loan, Maya IyerLuis Costa
110
Add
Review1
Used vehicle loan, Elias RomeroZara Malik
600
Add
Authorized1
Education loan, Zara MalikNina Tran
110
Add
Submitted1
Kitchen renovation loan, Theo GrantMaya Iyer
860
Add
Pending1
Motorbike loan, Anika RaoAnika Rao
440
Add
Home improvement loan, Maya IyerLoan applications · LA-41309
Draft
Requested principal USD110
OwnerElena Cruz
CounterpartyLuis Costa
Decide applicationLA-41309 · Home improvement loan, Maya Iyer

Independent Credit Approver reviews the current revision and records the decision.

Waiting for Independent Credit Approver
ApproveReturn
Example screen with sample data
Tables, ready to use
15
Saved views
14
Roles with set permissions
5
Reports and dashboards
8
Features

Follow each borrower request

Every feature works on the same records. Pick one to see the screen your team works in.

Application intake

Keep each borrower request, owner and principal together.

  • Identify the request
  • Check scope
  • Keep the revision
  • Loan applications
  • Borrowers
  • Organizations
  • Team members
Explore application intake
OverviewReview queue
EMI Calculator & Tracker · Application intake

Review queue

Approval conditions

New
Record numberSubjectStatusRevisionOwnerCounterparty
LA-83768Home improvement loan, Maya IyerReview680Rohan MehtaMaya Iyer
LA-32453Used vehicle loan, Elias RomeroReview940Sana QureshiTheo Grant
LA-64861Education loan, Zara MalikReview200Minh PhamElias Romero
LA-23806Kitchen renovation loan, Theo GrantReview840Daniel ParkZara Malik
LA-77334Motorbike loan, Anika RaoReview710Daniel ParkNina Tran
6 of 6 records
Home improvement loan, Maya IyerLoan applications · LA-83768
Review
Revision680
OwnerRohan Mehta
CounterpartyMaya Iyer
Example screen with sample data
Process

From request to provider record

From loan request to provider reconciliation ships ready to use. One step needs a named approval before the work moves on: Decide application (Independent Credit Approver).

Drag a card to another stage, or focus it and use the arrow keys. It updates to match the stage.

  1. Capture application

    Record the borrower, owner and requested principal.

    Home improvement loan, Maya IyerLA-41309 · Credit Officer
    Capture applicationBy Credit Officer

  2. Prepare review

    Attach evidence and submit the current revision.

    Home improvement loan, Maya IyerLA-41309 · Credit Officer
    Prepare reviewBy Credit Officer

  3. Decide application

    An independent approver records the decision and reason.

    Home improvement loan, Maya IyerLA-41309 · Independent Credit Approver
    Decide applicationBy Independent Credit Approver
    ApprovalIndependent Credit Approver reviews the current revision and records the decision.

  4. Record provider outcome

    Keep provider references beside the application.

    Home improvement loan, Maya IyerLA-41309 · Credit Officer
    Record provider outcomeBy Credit Officer

  5. Match repayment

    Review source-identified movements against the loan account.

    Home improvement loan, Maya IyerLA-41309 · Loan Operations Analyst
    Match repaymentBy Loan Operations Analyst

  6. Reconcile evidence

    Check receipts against actual records and provider evidence.

    Home improvement loan, Maya IyerLA-41309 · Loan Operations Analyst
    Reconcile evidenceBy Loan Operations Analyst

Start with Application review

Inside a record

Connect provider evidence

Open any loan application to see its operation receipts, the roles that work on it, its process stages and its approvals on one page.

  1. 1
    Record details

    Requested principal USD, Owner and Counterparty.

  2. 2
    Operation receipts

    Each line is linked to this loan application.

  3. 3
    Who works on it

    Credit Officer and Loan Operations Analyst, each with their own permissions.

  4. 4
    Process stages

    Every status change, in order.

  5. 5
    Approvals

    Decide application, with who decides.

Applications by statusHome improvement loan, Maya Iyer
EMI Calculator & Tracker · Loan applications

Home improvement loan, Maya Iyer

Luis Costa · Draft

Log activity
1
Record details
Requested principal USD110
OwnerElena Cruz
CounterpartyLuis Costa
2
Operation receipts

Home improvement loan, Maya Iyer

ParentOperation keyAction
Small business equipment loan, Omar Nasserloan-submit-2026-10Submit loan application
Solar installation loan, Nina Trancredit-check-2026-10Request credit assessment
Motorbike loan, Anika Raooffer-issue-2026-10Approve loan offer
Operation receipts
6
3

Who works on it

  • Credit OfficerManage loan applications, record attachments, repayment…
  • Loan Operations AnalystView loan applications, loan accounts, Repayments, repayment…
5

Approvals

  • Decide applicationIndependent Credit Approver
    Approved
Example screen with sample data
Approvals

Keep decisions independent

OverviewApprovals
EMI Calculator & Tracker · Overview

Approvals

Signed in as Independent Credit Approver

Waiting for you

4 To review1 Overdue2 Decided todayOnly mine
0 selectedApproveReturn
  • LA-83768Home improvement loan, Maya Iyer
    Maya IyerRequested by Rohan Mehta
    Review1dActions
  • LA-32453Used vehicle loan, Elias Romero
    Theo GrantRequested by Sana Qureshi
    Review3dActions
  • LA-64861Education loan, Zara Malik
    Elias RomeroRequested by Minh Pham
    Review2dActions
  • LA-23806Kitchen renovation loan, Theo Grant
    Zara MalikRequested by Daniel Park
    Review3dActions

Who approves what

DecisionApprover
Decide applicationAn independent approver records the decision and reason.Independent Credit Approver
1 approval rule · set per role in Proto
Example screen with sample data
Who can approve what
Roles

A workspace for each role

Everyone opens EMI Calculator & Tracker to the work that is theirs. Pick a role to see what it starts with.

Auditor

Read authorized evidence and reports in a scoped, read-only audit view. No record writes and no action execution.

This is the first screen this role sees.

OverviewOpen operation receipts

Open operation receipts

Operation receipts · Auditor

ParentOperation keyActionResult stateOccurred atFailure reason
Small business equipment loan, Omar Nasserloan-submit-2026-10Submit loan applicationPending27 OctIncome document is missing
Solar installation loan, Nina Trancredit-check-2026-10Request credit assessmentFailed19 OctProvider declined duplicate application
Motorbike loan, Anika Raooffer-issue-2026-10Approve loan offerNeeds review21 OctRepayment account could not be verified
Home improvement loan, Maya Iyerschedule-build-2026-10Generate repayment schedulePending25 OctCredit decision has expired
Used vehicle loan, Elias Romeropayment-sync-2026-10Import repayment eventFailed13 OctPayment amount exceeds open balance
6 of 6 records
Example screen with sample data

Roles and permissions

Reports

See the work needing attention

Use recorded statuses, dates and provider identities to review loan work.

Overview
EMI Calculator & Tracker · Overview

EMI Calculator & Tracker dashboard

This quarter

Repayment scenarios in view
6
Total principal USD
1,730
Approved
3
Completed
2

Loan applications by status

How far records got this quarter

StageReachedStep
Draft26
Review1350%
Authorized969%
Submitted667%

Requested principal USD by status

Sample totals per stage

8.0k0
5.0kDraft
8.0kReview
5.0kAuthorized
8.0kSubmitted
5.0kPending
Example screen with sample data
  1. 01Application pipeline by status

    Count applications by recorded status and organization.

  2. 02Requested principal by borrower

    Group application principal by organization and borrower.

  3. 03Credit decisions by reviewer

    Show decisions, reasons and decision dates for each reviewer.

  4. 04Scenario decisions

    Compare scenario status and principal by application.

  5. 05Provider account positions

    Show dated ledger and available balances for each loan account.

  6. 06Repayment movement exceptions

    List exception movements with provider event identity and received amount.

  7. 07Unmatched repayment movements

    Identify received movements still awaiting an application match.

  8. 08Operation receipt outcomes

    Group recorded operation results and failure reasons by action.

All reports and dashboards

Who it's for

Built for loan operations

See how EMI Calculator & Tracker fits your kind of team.

Consumer lending teams

Coordinate borrower applications and provider movements across a lending desk.

Credit unions

Keep borrower requests and independent credit decisions in one operating trail.

Loan servicing teams

Review provider positions, movements and application evidence during loan servicing.

Controls

Trace every recorded outcome

Each stage, from loan request to provider reconciliation, names the role that acts and the status it records, so a change is never anonymous.

OverviewFrom loan request to provider reconciliation
EMI Calculator & Tracker · Process

From loan request to provider reconciliation

Each stage, the role that acts and the status it records

Process stages
10
Approval steps
1
Roles involved
3
Tables touched
9
Prepare review
Credit Officer
StatusDraft → Review
Decide applicationApproval
Independent Credit Approver
StatusReview → Authorized
RecordsReview decisions
Prepare scenario
Credit Officer
StatusDraft → Submitted
RecordsRepayment scenarios
From loan request to provider reconciliation
  1. Start
    Prepare reviewDraft → Review
    Credit Officer
  2. Approval
    Decide applicationReview → Authorized
    Review decisions
  3. Step
    Prepare scenarioDraft → Submitted
    Repayment scenarios
  4. Step
    Review scenarioSubmitted → Approved
    Independent Credit Approver
  5. Step
    Record provider outcomeAuthorized → Submitted → Pending → Confirmed
    Credit Officer
Example screen with sample data

See each stage in detail

AI agent

Set up with Proto

Use Proto to set up the records, roles and operating views.

It can

  • Credit Officer: Show the applications I own that are still in Draft or Review.
  • Independent Credit Approver: Show the current revision and attachments for applications awaiting a decision.
  • Loan Operations Analyst: Find unmatched provider movements and open operation receipts.
  • Auditor: Trace a decision to its reviewer, source revision and supporting evidence.

Stays with a person

  • A person must make the independent credit decision and confirm provider evidence.
  • Proto can organize records and surface exceptions, while the responsible role checks authority and records the outcome.

Set up an agent

Integrations

Connects to the tools you use

Set up connections through ERP.AI and Proto workflows, with every change logged.

  • EMI Calculator & Tracker
  • Loan provider
  • Provider position source
  • Repayment event source
  • Document source
Data model

Your data, in tables you can change

Every record lives in a table you can see, extend and export. Add fields or whole tables in Proto.

Browse all 15 tables
15tables
  • Application intake4
  • Credit review4
  • Scenario review4
  • Loan accounts5
  • Repayment movements4
  • Evidence and controls5
Implementation

Roll out one team at a time

Start with one team and one process, then add the rest once the basics are running.

  1. Set scope

    Identify the organization, borrower group, provider sources and operating owners for a pilot.

  2. Load core records

    Enter organizations, team members and borrowers, then check account and application references.

  3. Rehearse decisions

    Walk a Draft application into Review and record an independent decision on the current revision.

  4. Add provider evidence

    Link account identity, funding legs, positions and source-identified movements to the application.

  5. Review exceptions

    Test an unmatched movement and a receipt whose claimed effect needs investigation.

Read the implementation plan

Pricing

$0per user

The base account and everyday work in the ERP.AI app are free, for every user.

  • No per-user or per-seat fees
  • Viewing, editing, approving and exporting records in the app is free
  • Pay only for machine work: API calls, imports, workflows and AI agents
  • Prepaid credits from $5. Purchased credits never expire

Pricing details

Machine work rate card Included per $1 of credit

Machine work rate card
UsagePer $1
Record reads (list, filter, get)20,000
Search or aggregate queries4,000
Record writes4,000
Imported or synced records200,000
Workflow runs2,000
AI agent runs2,000
Scheduled jobs or webhooks20,000
File uploads (MB)2,000
CSV or PDF exports100
FAQ

Questions, answered

Scope, rollout and pricing for EMI Calculator & Tracker.

All questions
How do I get started?

Click Get started, then use Proto to configure EMI Calculator & Tracker for your business. Pilot one organization, a few borrower requests and one provider feed before widening the scope.

Who prepares an application?

Credit Officer records the borrower, organization, requested principal, owner and supporting evidence.

Who makes the credit decision?

Independent Credit Approver reads the current application revision and records a decision and reason.

Can a borrower have more than one application?

Yes. Each application links to a borrower and keeps its own number, status and requested principal.

How are provider movements tracked?

Repayments record a provider event ID, received amount, date, loan account and matched application.

Where do uncertain movements go?

Loan Operations Analyst examines movements marked Exception and checks the provider source before resolving them.

Can an auditor change an application?

Auditor has scoped read access to authorized evidence and reports, without record writes or action execution.

What does Operations Overview show?

It ranks recorded exceptions so the operations team can see what needs attention today.

How do we check a completed action?

Compare its operation receipt with the persisted record and provider evidence. Keep a discrepancy visible for review.

Where is pricing explained?

See pricing and plan the pilot with implementation.

Set up EMI Calculator & Tracker your way.

Start free, then use Proto to change fields, steps and approvals before your team goes live.

Start now Download Proto

How to get started

A personal agent for your business

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