App to smartly manage India home loan EMI

There is a basic Excel formula which takes the input of the interest rate, principal amount and duration and provides back the EMI and breakdown. That is too simple. I am looking to get an app developed which can introduce a smart logic (to be defined by me once we agree) and then implement it into the app. I have been a programmer myself, but do not have enough time for this so looking for some smart brains. Note I closed the previous similar project so as to lower the bid amount (ref: https://www.freelancer.com/projects/Mobile-Phone-Android/App-manage-India-home-loan.html)