Home Loan Calculator
Home Loan EMI Calculator
Calculate your home loan EMI, total interest, and create a complete repayment plan
Loan Details
₹5L₹2Cr
6.5%15%
5 years30 years
Prepayment Analysis
EMI Calculation Results
₹43,391
Monthly EMI
₹54.1L
Total Interest
₹104.1L
Total Amount
Affordability Analysis
Required Monthly Income₹108,478
EMI to Income Ratio40% (Recommended)
Interest vs Principal108% Interest
Loan Repayment Schedule
Principal Payment
Interest Payment
Outstanding Loan Balance
💡 Smart Home Loan Tips
Compare Interest Rates
Even 0.5% difference can save lakhs over the loan tenure
Consider Prepayments
Annual prepayments can reduce tenure significantly
Tax Benefits
Principal repayment eligible for 80C, interest for 24(b)
EMI Affordability
Keep EMI below 40% of monthly income for financial stability