Free Tool
Home Loan EMI Calculator
Calculate your monthly EMI, total interest and a year-wise breakup. Adjust the loan amount, rate and tenure to see results update instantly.
Tap a bank below to load its indicative rate
Monthly EMI
₹43,391
Per month · 20 years · 8.50%
Same loan — different tenure
See how EMI and total interest change with tenure.
| Tenure | Monthly EMI | Total Interest | Total Payable | Interest Saved vs 30yr |
|---|---|---|---|---|
| 10 years | ₹61,993 | ₹24.4 Lakh | ₹74.4 Lakh | ₹64.0 Lakh saved |
| 15 years | ₹49,237 | ₹38.6 Lakh | ₹88.6 Lakh | ₹49.8 Lakh saved |
| 20 years | ₹43,391 | ₹54.1 Lakh | ₹1.04 Cr | ₹34.3 Lakh saved |
| 25 years | ₹40,261 | ₹70.8 Lakh | ₹1.21 Cr | ₹17.6 Lakh saved |
| 30 years | ₹38,446 | ₹88.4 Lakh | ₹1.38 Cr | Baseline |
Detailed analysis
Year-wise amortization schedule
Full year-by-year breakup of principal, interest and outstanding balance.
Save lakhs
Bank-wise EMI comparison
Same loan amount across major banks — find the cheapest option.
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Important disclaimer: Results are indicative only and provided for informational purposes. They do not constitute financial, legal or investment advice. EMI uses the standard banking formula and excludes processing fees, GST, insurance, stamp duty and registration. Actual figures may vary based on lender policies, government rates and individual circumstances. Always consult a qualified advisor before any financial commitment. Data accurate as of May 2026. Read full disclaimer.