Home Loan Calculator
Calculate your home loan EMI instantly. See total interest payable, check affordability against your income, view year-by-year amortization, and compare tenure options.
🏠 Loan Details
💰 EMI Calculation
Loan Repayment Progress
Affordability Check & Tax Benefits
💰 Affordability Check
Based on Ideal: below 40% annuity:lumpsum withdrawal at retirement
💲 Tax Benefits
Combined annual tax savings on home loan EMI
🎯 Prepayment Impact
Year-by-Year Amortization Schedule
| Age | Interest (Sec 24b, up to ₹2L) | Corpus Value | Total Returns | Growth |
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Need help choosing the right home loan?
Our financial advisors will help you compare lenders, optimise EMI, and plan your home purchase budget.
EMI vs Tenure Comparison
See how different loan tenures affect your monthly EMI and total interest payable.
Smart Home Loan Tips
Keep EMI Under 40%
Financial experts recommend keeping your home loan EMI below 40% of your monthly income to maintain a healthy financial balance and avoid stress.
Tax Benefits
Claim deductions up to ₹1.5L on principal repayment under Section 80C and up to ₹2L on interest paid under Section 24(b) for self-occupied property.
Prepayment Strategy
Making partial prepayments when you receive bonuses or windfalls can significantly reduce your total interest and loan tenure. Even one extra EMI per year helps.
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Interest rates and EMI calculations are indicative and based on assumed returns. Past performance does not guarantee future results. Please read all scheme documents carefully.