Calculator
Home loan EMI calculator
A 20-year promise deserves 20 seconds of maths first.
Typical home loans: 8.5–10% over 15–25 years. Principal + interest up to ₹1.5L/₹2L get 80C/24(b) deductions (old regime).
- Monthly EMI₹44,986
- Total interest₹57.97 L
- Total payable₹1.08 Cr
Hover a bar for that year's principal vs interest split.
Reducing-balance EMI. A 0.5% rate negotiation or yearly prepayment shortens the loan more than it looks — run the numbers before signing.