Home Loan EMI Calculator

Calculate exact Home Loan EMI installments and schedules.

Adjust Parameters

Home Loan Amount

₹

Interest Rate (p.a.)

Tenure (Years)

Monthly EMI₹34,713

Principal Loan Amount₹40,00,000

Total Interest Payable₹43,31,103

Total Amount Payable₹83,31,103

Total Outlay₹83,31,103

Principal Loan

₹40,00,000 (48.0%)

Total Interest

₹43,31,103 (52.0%)

Repayment breakdown showing interest, principal, and remaining balance. Click on any year row to view its monthly breakdown.

Choose Loan Start Date:

Start Month

Start Year

Period	Principal Paid	Interest Paid	Total Repayment	Remaining Balance
▶2026	₹45,618	₹1,97,373	₹2,42,991	₹39,54,383
▶2027	₹83,641	₹3,32,914	₹4,16,556	₹38,70,741
▶2028	₹91,035	₹3,25,521	₹4,16,556	₹37,79,707
▶2029	₹99,080	₹3,17,475	₹4,16,556	₹36,80,626
▶2030	₹1,07,841	₹3,08,715	₹4,16,556	₹35,72,787
▶2031	₹1,17,372	₹2,99,184	₹4,16,556	₹34,55,416
▶2032	₹1,27,747	₹2,88,808	₹4,16,556	₹33,27,670
▶2033	₹1,39,036	₹2,77,519	₹4,16,556	₹31,88,633
▶2034	₹1,51,326	₹2,65,230	₹4,16,556	₹30,37,307
▶2035	₹1,64,702	₹2,51,854	₹4,16,556	₹28,72,604
▶2036	₹1,79,261	₹2,37,294	₹4,16,556	₹26,93,344
▶2037	₹1,95,106	₹2,21,449	₹4,16,556	₹24,98,238
▶2038	₹2,12,351	₹2,04,205	₹4,16,556	₹22,85,887
▶2039	₹2,31,122	₹1,85,433	₹4,16,556	₹20,54,765
▶2040	₹2,51,549	₹1,65,005	₹4,16,556	₹18,03,215
▶2041	₹2,73,785	₹1,42,771	₹4,16,556	₹15,29,430
▶2042	₹2,97,985	₹1,18,569	₹4,16,556	₹12,31,445
▶2043	₹3,24,325	₹92,230	₹4,16,556	₹9,07,121
▶2044	₹3,52,992	₹63,563	₹4,16,556	₹5,54,129
▶2045	₹3,84,193	₹32,361	₹4,16,556	₹1,69,937
▶2046	₹1,69,937	₹3,628	₹1,73,565	₹0

A housing loan calculator helps you estimate your home purchase commitments before requesting credit from banks.

Higher interest rates increase your monthly installment amount and total interest paid over the tenure.