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EMI Calculator

Calculate your monthly home loan EMI instantly. Adjust loan amount, interest rate, and tenure.

Home EMI Calculator

Home Loan EMI Calculator

Monthly EMI
₹ 43,391
Total Interest
₹ 54,13,840
Total Amount
₹ 1,04,13,840
Principal
Interest
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Smart Tips

Higher Down PaymentPay 20–30% upfront to reduce your loan amount and total interest burden.
Compare Interest RatesEven 0.5% difference can save you lakhs over a 20-year tenure.
Shorter Tenure = Less InterestA 15-year loan vs 20-year saves significant interest — if EMI is affordable.
Prepay When PossibleLump-sum prepayments early in the loan reduce both principal and future interest.

EMI Formula

EMI is calculated using the standard amortization formula:

Where: P = Principal, R = Monthly Interest Rate, N = Months EMI = P × R × (1+R)^N / ((1+R)^N - 1)

Year-wise Amortization Schedule

Year Principal Paid Interest Paid Total Payment Balance