Home Loan EMI Calculator

    Calculate your monthly EMI, total interest, and get a complete year-wise amortization breakdown. Make informed decisions about your home loan.

    Enter Your Loan Parameters

    ₹50.00 L
    ₹10 L₹5 Cr
    8.50%
    6%18%
    20 yrs
    1 yr30 yrs

    Monthly EMI

    43,391

    Loan Amount

    ₹50.00 L

    Total Interest

    ₹54.14 L

    Total Payment

    ₹1.04 Cr

    Yearly Principal vs Interest

    Amounts in ₹ thousands

    Principal vs Interest

    Principal
    ₹50.00 L
    Total Interest
    ₹54.14 L
    Interest %52%

    Year-wise Loan Schedule

    YearOpening BalancePrincipal PaidInterest PaidClosing Balance
    Year 1₹50.00 L₹99,510₹4.21 L₹49.00 L
    Year 2₹49.00 L₹1.08 L₹4.12 L₹47.92 L
    Year 3₹47.92 L₹1.18 L₹4.03 L₹46.74 L
    Year 4₹46.74 L₹1.28 L₹3.92 L₹45.46 L
    Year 5₹45.46 L₹1.40 L₹3.81 L₹44.06 L
    Total₹50.00 L₹54.14 L₹1.04 Cr

    EMI at Different Interest Rates

    Rate (%)Monthly EMITotal InterestTotal Paid
    7% 38,765₹43.04 L₹93.04 L
    7.5% 40,280₹46.67 L₹96.67 L
    8% 41,822₹50.37 L₹1.00 Cr
    8.5% ◀ current43,391₹54.14 L₹1.04 Cr
    9% 44,986₹57.97 L₹1.08 Cr
    9.5% 46,607₹61.86 L₹1.12 Cr
    10% 48,251₹65.80 L₹1.16 Cr
    11% 51,609₹73.86 L₹1.24 Cr
    12% 55,054₹82.13 L₹1.32 Cr

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    ⓘ EMI is calculated using the standard reducing balance formula. Actual EMI may vary slightly based on your lender's policy.

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