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Property/Finance · FREE

Home Loan EMI

Explore monthly repayments and a complete amortization schedule at an interest rate you choose.

Plan it your way

Free results, with no login or contact details required.

Start with an example

Example measurements only. Check your drawing; this is not an approved design. Every value can be edited.

Published choices

Loading location and product references. Your entered values are retained.

Principal decreases over time240 months · 8% assumption
Schematic only, not to scale or an approved design.

Loan amount

Your planning summary

Complete the inputs to see your result and assumptions. No login or contact details required.

UNDERSTAND YOUR RESULT

Understand Your Home Loan EMI

Your loan amount, interest assumption and repayment period shape the monthly payment. Compare the total interest as well as the EMI before deciding.

Enter the amount borrowed

Deduct your down payment from the property price before entering the loan amount. Fees financed into the loan also affect principal.

Choose interest and tenure

A longer tenure can lower monthly EMI while increasing total interest. Compare the same principal at different tenures.

Compare payment and total interest

This schedule assumes the chosen rate remains constant. Lender fees, insurance, rate resets and prepayment conditions are separate.

Explore an illustrative example

₹10 lakh. Use the example button in the calculator to apply these editable inputs.

Principal decreases over time? months · ?% assumption
Schematic only, not to scale or an approved design.

Illustrative measurements or assumptions only; not an approved design, quote or offer.

What changes your result?

  • Principal is the amount borrowed. Deduct your down payment from the property price before entering the loan amount. Fees financed into the loan also affect principal.
  • Understand total interest. A longer tenure can lower monthly EMI while increasing total interest. Compare the same principal at different tenures.
  • Rates may change. This schedule assumes the chosen rate remains constant. Lender fees, insurance, rate resets and prepayment conditions are separate.

Assumptions and limits

Confirm measurements, inclusions and price assumptions. These planning results do not replace professional engineering, legal or lender advice.

Results retain the assumptions you selected. Compare like-for-like areas and avoid counting the same item twice.

View Technical Calculation Details

r = annual percent/1200; EMI = P×r / (1−(1+r)^−N); at r=0, EMI=P/N. Each interest = opening balance×r.

Currency totals: 2 decimal places; geometry and quantities: 6. Whole units/boxes round upward with floating-point ULP correction; internal calculation precision is retained.

Formula 2.0.0 · Content/schema 2

Sources and review information

References last checked 2026-10-29. This is not certification of a fee schedule or property.

Your questions, answered

Principal is the amount borrowed

Deduct your down payment from the property price before entering the loan amount. Fees financed into the loan also affect principal.

Understand total interest

A longer tenure can lower monthly EMI while increasing total interest. Compare the same principal at different tenures.

Rates may change

This schedule assumes the chosen rate remains constant. Lender fees, insurance, rate resets and prepayment conditions are separate.

Can I save or download for free?

Yes. PDF and comparisons are free. Saving a report is optional and needs consent; a calculation needs no contact details.

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ownership cost →stamp duty →investment sensitivity →

YOUR NEXT PROPERTY STEP

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