Calculator
Enter home loan details
Adjust housing loan amount, annual interest rate, and repayment tenure to estimate EMI instantly.
Rs.
Rs.100000Rs.50000000
%
1 %30 %
Years
1 Years30 Years
Loading Weburcode…
Estimate home loan EMI, total interest, total repayment, and first-year amortization before comparing lender offers.
Calculator
Adjust housing loan amount, annual interest rate, and repayment tenure to estimate EMI instantly.
Breakdown
Review principal, interest, total repayment, and the first 12 months of repayment.
Principal amount
₹50,00,000
48%
Total interest
₹54,13,879
52%
Showing first 12 months of repayment.
| Month | EMI | Principal | Interest | Balance |
|---|---|---|---|---|
| 1 | ₹43,391 | ₹7,974 | ₹35,417 | ₹49,92,026 |
| 2 | ₹43,391 | ₹8,031 | ₹35,360 | ₹49,83,995 |
| 3 | ₹43,391 | ₹8,088 | ₹35,303 | ₹49,75,907 |
| 4 | ₹43,391 | ₹8,145 | ₹35,246 | ₹49,67,762 |
| 5 | ₹43,391 | ₹8,203 | ₹35,188 | ₹49,59,559 |
| 6 | ₹43,391 | ₹8,261 | ₹35,130 | ₹49,51,298 |
| 7 | ₹43,391 | ₹8,319 | ₹35,072 | ₹49,42,978 |
| 8 | ₹43,391 | ₹8,378 | ₹35,013 | ₹49,34,600 |
| 9 | ₹43,391 | ₹8,438 | ₹34,953 | ₹49,26,162 |
| 10 | ₹43,391 | ₹8,498 | ₹34,894 | ₹49,17,665 |
| 11 | ₹43,391 | ₹8,558 | ₹34,833 | ₹49,09,107 |
| 12 | ₹43,391 | ₹8,618 | ₹34,773 | ₹49,00,489 |
Formula
Home loan EMI uses the standard EMI formula for fixed-rate repayment planning.
Standard EMI formula
EMI = P x R x (1 + R)^N / ((1 + R)^N - 1)
This calculator reuses the standard Weburcode EMI engine. P is the loan amount, R is the monthly interest rate, and N is the number of monthly installments.
The annual interest rate is divided by 12 and converted into a monthly decimal rate. The amortization table shows how early payments usually carry more interest while later payments reduce more principal.
Guide
Use this calculator to compare affordability before choosing a housing loan amount, tenure, or lender offer.
Add the loan amount you expect to borrow after down payment or margin contribution.
Use the annual housing loan rate quoted by the lender for a closer monthly EMI estimate.
Compare shorter and longer tenures to balance EMI affordability with total interest.
It helps estimate monthly housing loan payments, compare lender offers, test down payment scenarios, and understand how tenure affects total interest.
FAQ
Educational answers for common home loan planning questions.
Related tools
Compare loan EMI with eligibility, interest growth, deposits, and investment planning tools.
Calculate loan EMI, total interest and repayment instantly.
LEEstimate eligible EMI and loan amount from income.
CICalculate compound growth with flexible compounding.
FDEstimate fixed deposit maturity value.
%Estimate wealth from monthly investments.