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Loan EMI planner

Home Loan EMI Calculator

Estimate your home loan EMI, total interest and repayment schedule for a planned property purchase.

Plan with confidence

Calculate your monthly EMI

Adjust the loan details to compare monthly repayments and the total cost of borrowing.

Loan details

Configure loan parameters

₹40,00,000
₹5,00,000₹3,00,00,000
8.5%
6%15%
240 months
60 mo360 mo

Presets

Your Fixed Monthly EMI

₹34,713

Explore Home Loan Options

Loan summary

Proportional Breakdown

Principal Investment

₹40,00,000

48%

Interest Surcharge

₹43,31,103

52%

Total Cumulative Payment

₹83,31,103

Principal Interest Split
Loan planning guide

About this home loan EMI calculator

This home loan EMI calculator helps you plan a property purchase by showing the estimated monthly instalment, total interest and repayment schedule. Test a larger down payment or a shorter tenure to understand how each choice can affect your long-term borrowing cost.

How to use the calculator

  1. Set the amount you plan to borrow.
  2. Enter the annual interest rate offered or expected.
  3. Choose a repayment tenure to see the estimated EMI, total interest and schedule.
Common questions

Home Loan EMI calculator FAQs

What inputs do I need for a home loan EMI calculation?

Enter the expected loan amount, annual interest rate and tenure in months. The calculator estimates the monthly repayment and total interest.

Can I reduce my home loan EMI?

A higher down payment, lower interest rate, longer tenure or partial prepayment may reduce the EMI. Each option has different effects on total interest.

Repayment schedule

Amortization schedule

Detailed month-on-month principal and interest allocation breakdown.

TimelineExpected EMIPrincipal ClearedInterest AccruedOutstanding Balance
Month 1₹34,713₹6,380₹28,333₹39,93,620
Month 2₹34,713₹6,425₹28,288₹39,87,196
Month 3₹34,713₹6,470₹28,243₹39,80,725
Month 4₹34,713₹6,516₹28,197₹39,74,209
Month 5₹34,713₹6,562₹28,151₹39,67,647
Month 6₹34,713₹6,609₹28,104₹39,61,038
Month 7₹34,713₹6,656₹28,057₹39,54,383
Month 8₹34,713₹6,703₹28,010₹39,47,680
Month 9₹34,713₹6,750₹27,963₹39,40,930
Month 10₹34,713₹6,798₹27,915₹39,34,132
Month 11₹34,713₹6,846₹27,867₹39,27,285
Month 12₹34,713₹6,895₹27,818₹39,20,391
Month 13₹34,713₹6,943₹27,769₹39,13,447
Month 14₹34,713₹6,993₹27,720₹39,06,455
Month 15₹34,713₹7,042₹27,671₹38,99,412
Month 16₹34,713₹7,092₹27,621₹38,92,320
Month 17₹34,713₹7,142₹27,571₹38,85,178
Month 18₹34,713₹7,193₹27,520₹38,77,985
Month 19₹34,713₹7,244₹27,469₹38,70,741
Month 20₹34,713₹7,295₹27,418₹38,63,446
Month 21₹34,713₹7,347₹27,366₹38,56,099
Month 22₹34,713₹7,399₹27,314₹38,48,700
Month 23₹34,713₹7,451₹27,262₹38,41,249
Month 24₹34,713₹7,504₹27,209₹38,33,745
Month 25₹34,713₹7,557₹27,156₹38,26,188
Month 26₹34,713₹7,611₹27,102₹38,18,577
Month 27₹34,713₹7,665₹27,048₹38,10,912
Month 28₹34,713₹7,719₹26,994₹38,03,193
Month 29₹34,713₹7,774₹26,939₹37,95,420
Month 30₹34,713₹7,829₹26,884₹37,87,591
Month 31₹34,713₹7,884₹26,829₹37,79,707
Month 32₹34,713₹7,940₹26,773₹37,71,767
Month 33₹34,713₹7,996₹26,717₹37,63,771
Month 34₹34,713₹8,053₹26,660₹37,55,718
Month 35₹34,713₹8,110₹26,603₹37,47,608
Month 36₹34,713₹8,167₹26,546₹37,39,440
Month 37₹34,713₹8,225₹26,488₹37,31,215
Month 38₹34,713₹8,283₹26,429₹37,22,932
Month 39₹34,713₹8,342₹26,371₹37,14,589
Month 40₹34,713₹8,401₹26,312₹37,06,188
Month 41₹34,713₹8,461₹26,252₹36,97,727
Month 42₹34,713₹8,521₹26,192₹36,89,207
Month 43₹34,713₹8,581₹26,132₹36,80,626
Month 44₹34,713₹8,642₹26,071₹36,71,984
Month 45₹34,713₹8,703₹26,010₹36,63,281
Month 46₹34,713₹8,765₹25,948₹36,54,516
Month 47₹34,713₹8,827₹25,886₹36,45,689
Month 48₹34,713₹8,889₹25,824₹36,36,800
Month 49₹34,713₹8,952₹25,761₹36,27,848
Month 50₹34,713₹9,016₹25,697₹36,18,832
Month 51₹34,713₹9,080₹25,633₹36,09,753
Month 52₹34,713₹9,144₹25,569₹36,00,609
Month 53₹34,713₹9,209₹25,504₹35,91,400
Month 54₹34,713₹9,274₹25,439₹35,82,126
Month 55₹34,713₹9,340₹25,373₹35,72,787
Month 56₹34,713₹9,406₹25,307₹35,63,381
Month 57₹34,713₹9,472₹25,241₹35,53,909
Month 58₹34,713₹9,539₹25,174₹35,44,369
Month 59₹34,713₹9,607₹25,106₹35,34,762
Month 60₹34,713₹9,675₹25,038₹35,25,087
Month 61₹34,713₹9,744₹24,969₹35,15,344
Month 62₹34,713₹9,813₹24,900₹35,05,531
Month 63₹34,713₹9,882₹24,831₹34,95,649
Month 64₹34,713₹9,952₹24,761₹34,85,697
Month 65₹34,713₹10,023₹24,690₹34,75,674
Month 66₹34,713₹10,094₹24,619₹34,65,581
Month 67₹34,713₹10,165₹24,548₹34,55,416
Month 68₹34,713₹10,237₹24,476₹34,45,179
Month 69₹34,713₹10,310₹24,403₹34,34,869
Month 70₹34,713₹10,383₹24,330₹34,24,487
Month 71₹34,713₹10,456₹24,257₹34,14,030
Month 72₹34,713₹10,530₹24,183₹34,03,500
Month 73₹34,713₹10,605₹24,108₹33,92,895
Month 74₹34,713₹10,680₹24,033₹33,82,215
Month 75₹34,713₹10,756₹23,957₹33,71,460
Month 76₹34,713₹10,832₹23,881₹33,60,628
Month 77₹34,713₹10,908₹23,804₹33,49,720
Month 78₹34,713₹10,986₹23,727₹33,38,734
Month 79₹34,713₹11,064₹23,649₹33,27,670
Month 80₹34,713₹11,142₹23,571₹33,16,528
Month 81₹34,713₹11,221₹23,492₹33,05,308
Month 82₹34,713₹11,300₹23,413₹32,94,007
Month 83₹34,713₹11,380₹23,333₹32,82,627
Month 84₹34,713₹11,461₹23,252₹32,71,166
Month 85₹34,713₹11,542₹23,171₹32,59,624
Month 86₹34,713₹11,624₹23,089₹32,48,000
Month 87₹34,713₹11,706₹23,007₹32,36,294
Month 88₹34,713₹11,789₹22,924₹32,24,504
Month 89₹34,713₹11,873₹22,840₹32,12,632
Month 90₹34,713₹11,957₹22,756₹32,00,675
Month 91₹34,713₹12,041₹22,671₹31,88,633
Month 92₹34,713₹12,127₹22,586₹31,76,507
Month 93₹34,713₹12,213₹22,500₹31,64,294
Month 94₹34,713₹12,299₹22,414₹31,51,995
Month 95₹34,713₹12,386₹22,327₹31,39,608
Month 96₹34,713₹12,474₹22,239₹31,27,134
Month 97₹34,713₹12,562₹22,151₹31,14,572
Month 98₹34,713₹12,651₹22,062₹31,01,921
Month 99₹34,713₹12,741₹21,972₹30,89,180
Month 100₹34,713₹12,831₹21,882₹30,76,348
Month 101₹34,713₹12,922₹21,791₹30,63,426
Month 102₹34,713₹13,014₹21,699₹30,50,413
Month 103₹34,713₹13,106₹21,607₹30,37,307
Month 104₹34,713₹13,199₹21,514₹30,24,108
Month 105₹34,713₹13,292₹21,421₹30,10,816
Month 106₹34,713₹13,386₹21,327₹29,97,430
Month 107₹34,713₹13,481₹21,232₹29,83,948
Month 108₹34,713₹13,577₹21,136₹29,70,372
Month 109₹34,713₹13,673₹21,040₹29,56,699
Month 110₹34,713₹13,770₹20,943₹29,42,929
Month 111₹34,713₹13,867₹20,846₹29,29,062
Month 112₹34,713₹13,965₹20,748₹29,15,097
Month 113₹34,713₹14,064₹20,649₹29,01,032
Month 114₹34,713₹14,164₹20,549₹28,86,869
Month 115₹34,713₹14,264₹20,449₹28,72,604
Month 116₹34,713₹14,365₹20,348₹28,58,239
Month 117₹34,713₹14,467₹20,246₹28,43,772
Month 118₹34,713₹14,570₹20,143₹28,29,202
Month 119₹34,713₹14,673₹20,040₹28,14,530
Month 120₹34,713₹14,777₹19,936₹27,99,753
Month 121₹34,713₹14,881₹19,832₹27,84,872
Month 122₹34,713₹14,987₹19,726₹27,69,885
Month 123₹34,713₹15,093₹19,620₹27,54,792
Month 124₹34,713₹15,200₹19,513₹27,39,592
Month 125₹34,713₹15,307₹19,405₹27,24,285
Month 126₹34,713₹15,416₹19,297₹27,08,869
Month 127₹34,713₹15,525₹19,188₹26,93,344
Month 128₹34,713₹15,635₹19,078₹26,77,708
Month 129₹34,713₹15,746₹18,967₹26,61,963
Month 130₹34,713₹15,857₹18,856₹26,46,105
Month 131₹34,713₹15,970₹18,743₹26,30,136
Month 132₹34,713₹16,083₹18,630₹26,14,053
Month 133₹34,713₹16,197₹18,516₹25,97,856
Month 134₹34,713₹16,311₹18,401₹25,81,545
Month 135₹34,713₹16,427₹18,286₹25,65,118
Month 136₹34,713₹16,543₹18,170₹25,48,574
Month 137₹34,713₹16,661₹18,052₹25,31,914
Month 138₹34,713₹16,779₹17,934₹25,15,135
Month 139₹34,713₹16,897₹17,816₹24,98,238
Month 140₹34,713₹17,017₹17,696₹24,81,221
Month 141₹34,713₹17,138₹17,575₹24,64,083
Month 142₹34,713₹17,259₹17,454₹24,46,824
Month 143₹34,713₹17,381₹17,332₹24,29,443
Month 144₹34,713₹17,504₹17,209₹24,11,939
Month 145₹34,713₹17,628₹17,085₹23,94,310
Month 146₹34,713₹17,753₹16,960₹23,76,557
Month 147₹34,713₹17,879₹16,834₹23,58,678
Month 148₹34,713₹18,006₹16,707₹23,40,672
Month 149₹34,713₹18,133₹16,580₹23,22,539
Month 150₹34,713₹18,262₹16,451₹23,04,278
Month 151₹34,713₹18,391₹16,322₹22,85,887
Month 152₹34,713₹18,521₹16,192₹22,67,365
Month 153₹34,713₹18,652₹16,061₹22,48,713
Month 154₹34,713₹18,785₹15,928₹22,29,928
Month 155₹34,713₹18,918₹15,795₹22,11,011
Month 156₹34,713₹19,052₹15,661₹21,91,959
Month 157₹34,713₹19,187₹15,526₹21,72,773
Month 158₹34,713₹19,322₹15,390₹21,53,450
Month 159₹34,713₹19,459₹15,254₹21,33,991
Month 160₹34,713₹19,597₹15,116₹21,14,394
Month 161₹34,713₹19,736₹14,977₹20,94,658
Month 162₹34,713₹19,876₹14,837₹20,74,782
Month 163₹34,713₹20,017₹14,696₹20,54,765
Month 164₹34,713₹20,158₹14,555₹20,34,607
Month 165₹34,713₹20,301₹14,412₹20,14,306
Month 166₹34,713₹20,445₹14,268₹19,93,861
Month 167₹34,713₹20,590₹14,123₹19,73,271
Month 168₹34,713₹20,736₹13,977₹19,52,536
Month 169₹34,713₹20,882₹13,830₹19,31,653
Month 170₹34,713₹21,030₹13,683₹19,10,623
Month 171₹34,713₹21,179₹13,534₹18,89,443
Month 172₹34,713₹21,329₹13,384₹18,68,114
Month 173₹34,713₹21,480₹13,232₹18,46,634
Month 174₹34,713₹21,633₹13,080₹18,25,001
Month 175₹34,713₹21,786₹12,927₹18,03,215
Month 176₹34,713₹21,940₹12,773₹17,81,275
Month 177₹34,713₹22,096₹12,617₹17,59,179
Month 178₹34,713₹22,252₹12,461₹17,36,927
Month 179₹34,713₹22,410₹12,303₹17,14,518
Month 180₹34,713₹22,568₹12,145₹16,91,949
Month 181₹34,713₹22,728₹11,985₹16,69,221
Month 182₹34,713₹22,889₹11,824₹16,46,332
Month 183₹34,713₹23,051₹11,662₹16,23,280
Month 184₹34,713₹23,215₹11,498₹16,00,066
Month 185₹34,713₹23,379₹11,334₹15,76,686
Month 186₹34,713₹23,545₹11,168₹15,53,142
Month 187₹34,713₹23,712₹11,001₹15,29,430
Month 188₹34,713₹23,879₹10,833₹15,05,551
Month 189₹34,713₹24,049₹10,664₹14,81,502
Month 190₹34,713₹24,219₹10,494₹14,57,283
Month 191₹34,713₹24,391₹10,322₹14,32,893
Month 192₹34,713₹24,563₹10,150₹14,08,329
Month 193₹34,713₹24,737₹9,976₹13,83,592
Month 194₹34,713₹24,912₹9,800₹13,58,680
Month 195₹34,713₹25,089₹9,624₹13,33,591
Month 196₹34,713₹25,267₹9,446₹13,08,324
Month 197₹34,713₹25,446₹9,267₹12,82,878
Month 198₹34,713₹25,626₹9,087₹12,57,252
Month 199₹34,713₹25,807₹8,906₹12,31,445
Month 200₹34,713₹25,990₹8,723₹12,05,455
Month 201₹34,713₹26,174₹8,539₹11,79,281
Month 202₹34,713₹26,360₹8,353₹11,52,921
Month 203₹34,713₹26,546₹8,167₹11,26,375
Month 204₹34,713₹26,734₹7,978₹10,99,640
Month 205₹34,713₹26,924₹7,789₹10,72,716
Month 206₹34,713₹27,115₹7,598₹10,45,602
Month 207₹34,713₹27,307₹7,406₹10,18,295
Month 208₹34,713₹27,500₹7,213₹9,90,795
Month 209₹34,713₹27,695₹7,018₹9,63,100
Month 210₹34,713₹27,891₹6,822₹9,35,209
Month 211₹34,713₹28,089₹6,624₹9,07,121
Month 212₹34,713₹28,287₹6,425₹8,78,833
Month 213₹34,713₹28,488₹6,225₹8,50,346
Month 214₹34,713₹28,690₹6,023₹8,21,656
Month 215₹34,713₹28,893₹5,820₹7,92,763
Month 216₹34,713₹29,098₹5,615₹7,63,665
Month 217₹34,713₹29,304₹5,409₹7,34,362
Month 218₹34,713₹29,511₹5,202₹7,04,851
Month 219₹34,713₹29,720₹4,993₹6,75,130
Month 220₹34,713₹29,931₹4,782₹6,45,200
Month 221₹34,713₹30,143₹4,570₹6,15,057
Month 222₹34,713₹30,356₹4,357₹5,84,701
Month 223₹34,713₹30,571₹4,142₹5,54,129
Month 224₹34,713₹30,788₹3,925₹5,23,341
Month 225₹34,713₹31,006₹3,707₹4,92,336
Month 226₹34,713₹31,226₹3,487₹4,61,110
Month 227₹34,713₹31,447₹3,266₹4,29,663
Month 228₹34,713₹31,669₹3,043₹3,97,994
Month 229₹34,713₹31,894₹2,819₹3,66,100
Month 230₹34,713₹32,120₹2,593₹3,33,980
Month 231₹34,713₹32,347₹2,366₹3,01,633
Month 232₹34,713₹32,576₹2,137₹2,69,057
Month 233₹34,713₹32,807₹1,906₹2,36,250
Month 234₹34,713₹33,039₹1,673₹2,03,210
Month 235₹34,713₹33,274₹1,439₹1,69,937
Month 236₹34,713₹33,509₹1,204₹1,36,427
Month 237₹34,713₹33,747₹966₹1,02,681
Month 238₹34,713₹33,986₹727₹68,695
Month 239₹34,713₹34,226₹487₹34,469
Month 240₹34,713₹34,469₹244₹0