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Home Loan Calculator
Calculate your home loan EMI, total interest, and payment schedule. Adjust loan amount, interest rate, and tenure to plan your finances.
Loan Details
₹50,00,000
₹1L₹5Cr
8.5%
1%20%
Current home loan rates: 8-9.5%
20 Years
1 Year30 Years
Your EMI Summary
Monthly EMI
₹43,391
Total Interest Payable
₹54,13,879
Total Payment
₹1,04,13,879
Loan Summary
Principal Amount₹50,00,000
Total Interest %108.3%
Interest to Principal Ratio1.08x
52.0%Interest Share
Principal
Interest
You'll pay ₹54,13,879 in interest over 20 years.
Smart Home Loan Tips
Choose a shorter tenure if you can afford higher EMI – it saves lakhs in interest. Prepay whenever possible, especially in the first 5-7 years. Compare floating vs fixed rates. Use a home loan balance transfer if you get a lower rate.