Home loan EMI calculator
See what a home loan would cost each month. Nothing you enter leaves your browser.
Plan the numbers
Home loan EMI calculator
Move the sliders. Nothing is sent anywhere — this runs entirely in your browser.
Year-by-year breakdown
| Year | Interest | Principal | Balance |
|---|
Indicative only. Actual EMI depends on your lender’s rate, processing fees and eligibility. This is not a loan offer or financial advice.
What EMI means
An EMI (equated monthly instalment) is the fixed amount you pay your lender every month until the loan is repaid. Each instalment covers the interest for the month and part of the loan itself. Early instalments are mostly interest; later ones are mostly principal.
How to use the calculator
- Set the loan amount.
- Set the interest rate a year. Use the rate your lender quotes; rates change with the market.
- Set the tenure in years.
- Read the monthly payment, the total interest and the total you would repay.
What changes your EMI
A larger loan, a higher rate and a longer tenure each change the payment. A longer tenure lowers the monthly amount but raises the total interest.
The result is indicative and is not a loan offer. Your lender's figures, fees and eligibility rules are the ones that count.
Questions about this tool
With the standard reducing-balance formula: interest is charged each month on the balance still owed, and the same instalment is paid every month.
No. It shows principal and interest only. Ask your lender about fees, insurance and prepayment terms.
No. It is a planning tool. We do not lend money.
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