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Financial Planning Tool

Home Loan EMI Calculator

Calculate monthly loan repayments, interest breakdown, and amortization schedule accurately.

₹ 25,00,000
₹10 L ₹25 L ₹50 L ₹75 L ₹1 Cr
8.5 %
8.0% 8.5% 9.0% 9.5% 10%
20 Years
5 Yrs 10 Yrs 15 Yrs 20 Yrs 30 Yrs
Monthly EMI

₹ 21,696

per month
Principal
₹ 25.0 L
Interest
₹ 27.0 L
Total
₹ 52.0 L

Amortization Schedule

Breakdown of principal & interest payments over time.

Year EMI (₹) Principal (₹) Interest (₹) Balance (₹)
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Frequently Asked Questions

Everything you need to know about calculating home loan EMIs.

The Home Loan EMI (Equated Monthly Installment) Calculator is an automated online tool that computes your fixed monthly repayment based on loan amount, interest rate, and tenure.

The formula used is: EMI = [P x R x (1+R)^N]/[(1+R)^N-1]
Where P = Principal, R = Monthly Interest Rate, and N = Tenure in months.

Yes, increasing the loan tenure lowers your monthly EMI amount, but it increases the overall interest payable over the lifetime of the loan.
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