Home Loan EMI Calculator
Plan your home purchase: see the exact EMI, total interest over the tenure, and a year-wise amortization view-plus how small prepayments save lakhs.
- Principal
- Interest
EMI
₹43,391.16
Total interest
₹54,13,879
Total payment
₹1,04,13,879
Figures are mathematical illustrations only and not a promise of performance. Mutual funds, deposits, loans, and insurance are offered by respective institutions-please read scheme documents and terms before investing or borrowing.
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Home loan EMI calculator - how to use this tool
Calculate your home loan EMI and total interest.
Use this home loan EMI calculator to calculate EMI on a home loan, house loan, housing loan or mortgage before you lock a sanction. Small rate or tenure changes move total interest by lakhs-run those scenarios here, then talk through prepayment with an advisor.
Adjust sliders to stress-test assumptions, review the visual breakdown where shown, and export or share results. For a documented plan, talk to Saarthi Capital.
Browse the full calculator hub for SIP, EMI, FD, tax, and more.
Frequently asked questions
How do I calculate EMI on a home loan / housing loan / mortgage?
Enter loan amount, annual interest and tenure. This home loan EMI calculator (also used as a house loan or mortgage calculator) shows monthly EMI, total interest and a year-wise view. It assumes a constant rate.
Is home loan EMI the same as housing loan EMI?
Yes. Home loan, house loan, housing loan and mortgage loan EMI all describe the same monthly repayment on a housing finance loan.
What is a typical home loan tenure in India?
Often 15–25 years. Longer tenure lowers EMI but raises total interest. Run both 15 and 20 year scenarios before you sign.
Does prepaying a home loan reduce the EMI or the tenure?
You usually get to choose. Keeping the EMI constant and shortening the tenure saves the most interest; reducing the EMI eases monthly cash flow. Model the prepayment on our loan prepayment calculator before deciding.
Fixed vs floating home loan rate-which should I pick?
Floating rates move with the RBI-linked benchmark and usually start lower; fixed rates offer certainty but are priced higher and may carry prepayment charges. Most Indian home loans are floating, and RBI bars foreclosure charges on floating-rate loans to individuals.
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