Home Loan Calculator
Calculate your home loan EMI, total interest, and affordability with our interactive calculator. Make informed decisions for your dream home.
₹50L
Avg. Loan Amount
8.5%
Interest Rate
20Y
Loan Tenure
₹43K
Monthly EMI
Interactive Home Loan Calculator
Enter your loan details and get instant EMI calculations with detailed breakdowns and affordability analysis
Loan Details
₹
₹1L
₹50L
₹5Cr
%
6%
8.5% p.a.
18%
Years
1Y
20 Years
30Y
Loan Type
🏠
Home Loan
🏞️
Plot Loan
Quick Scenarios
EMI Calculation
Monthly EMI
₹43,391
43% of ₹1L income
Total Interest Payable
₹54,13,840
Total Amount Payable
₹1,04,13,840
Affordability Check
₹
Moderate Risk
EMI is 43% of income
Ideal EMI: <30% | Moderate: 30-50% | High Risk: >50%
Payment Breakdown
Principal Amount
₹50,00,000
Interest Amount
₹54,13,840
Loan Amortization Schedule
| Year | Opening Balance | EMI Paid | Principal | Interest | Closing Balance |
|---|
Tenure vs EMI Comparison
15 Years
EMI
₹56,821
Total Interest
₹32.28L
20 Years
EMI
₹43,391
Total Interest
₹54.14L
25 Years
EMI
₹38,591
Total Interest
₹65.77L
EMI Tips
Keep EMI below 40% of income, compare rates from multiple lenders, and consider prepayment options.
Documentation
Prepare income proof, property documents, bank statements, and identity verification for faster approval.
Tax Benefits
Claim deductions up to ₹2L on principal (80C) and ₹2L on interest (24B) for self-occupied property.
Interest rates and terms are subject to lender approval and market conditions.