Monthly EMI
₹43,391
240 months
EMI Calculator
Home Loan EMI Calculator
Calculate accurate home loan EMI, complete amortization schedules, and total interest outgo instantly with India's best home loan calculator.
Educational estimate only. Not personalized financial advice.
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Total principal
₹50,00,000
Amount financed
Total interest
₹54,13,879
Paid over the full term
Total repayment
₹1,04,13,879
Including fees
Principal vs interest
Hover a segment or label to inspect how much of the repayment goes to principal versus interest.
Principal
48%
Outstanding balance
₹50,00,000
Current financed principal
Payoff horizon
240 mo
Base case
Interest share
52%
Share of total repayment
EMI to income
—
Add monthly income to calculate
Principal vs interest over time
Track what has been paid and what remains, with hover values for each month.
Principal paid · ₹50,00,000
Principal remaining · ₹0
Interest paid · ₹54,13,879
Interest remaining · ₹0
Hover the chart to inspect values month by month.
M240Principal paid₹50,00,000Principal remaining₹0Interest paid₹54,13,879Interest remaining₹0
Amount (INR)
M1M120M240
Loan life in monthsLoan detailsInteractive sliders to tune your loan inputs.
Controls
Loan details
Interactive sliders to tune your loan inputs.
DetailsOpen the amortization table and scenario comparison only when you need the deep dive.
Payoff in 240 months
Details
Open the amortization table and scenario comparison only when you need the deep dive.
Month
EMI
Interest
Principal
Closing balance
Month 1
₹43,391
₹35,417
₹7,974
₹49,92,026
Month 2
₹43,391
₹35,360
₹8,031
₹49,83,995
Month 3
₹43,391
₹35,303
₹8,088
₹49,75,907
Month 4
₹43,391
₹35,246
₹8,145
₹49,67,762
Month 5
₹43,391
₹35,188
₹8,203
₹49,59,559
Month 6
₹43,391
₹35,130
₹8,261
₹49,51,298
Month 7
₹43,391
₹35,072
₹8,319
₹49,42,978
Month 8
₹43,391
₹35,013
₹8,378
₹49,34,600
Month 9
₹43,391
₹34,953
₹8,438
₹49,26,162
Month 10
₹43,391
₹34,894
₹8,498
₹49,17,665
Month 11
₹43,391
₹34,833
₹8,558
₹49,09,107
Month 12
₹43,391
₹34,773
₹8,618
₹49,00,489
Only the first 12 months render by default.
Scenario comparison
Turn on a comparison to see how rate, prepayment, or tenure changes affect the loan.
Next steps
Educational note
This calculator is a deterministic estimate based on the inputs you provide. It does not factor in tax treatment, changing product terms, or lender-specific rules unless you add them to your notes.
Home Loan FAQs
What does the Home Loan estimate?
It estimates the monthly installment, total interest, and total repayment from the loan amount, annual interest rate, and tenure.
What does amortization mean in a loan schedule?
Amortization is the month-by-month split of each payment between interest and principal until the balance reaches zero.
What is prepayment in an EMI plan?
Prepayment is any extra amount paid before the scheduled loan end date to reduce interest cost or shorten the tenure.
Does the EMI result include processing fees?
Processing fees can be added as a separate cost so you can compare the repayment amount with the total borrowing outflow.