Home Loan EMI Calculator
Know your EMI, see the real interest cost over the years, and discover simple tricks that save lakhs — the way a good banker uncle would explain it.
Type a value (e.g. 60 = ₹60 L, 1.2 = ₹1.2 Cr) or drag the slider
Banks typically fund 75–90% of the property value
Your Monthly EMI
₹41,656
for 20 years on a ₹48.0 L loan @ 8.50%
Total Interest
₹52.0 L
Total You Pay
₹100.0 L
💡 Smart ways to save on this loan
Small changes today, lakhs saved over the tenure:
Choose 15 years instead of 20
EMI becomes ₹47,267 (+₹5,612/mo)
A shorter tenure costs a little more each month but cuts your interest sharply.
You save
₹14.9 L
Pay just ONE extra EMI every year
Same EMI of ₹41,656, one extra payment annually
Your loan closes ~3.3 years early. Use your yearly bonus for this.
You save
₹9.9 L
Increase your EMI by 10%
EMI becomes ₹45,821 (+₹4,166/mo)
Closes ~4.0 years early — ideal when your salary grows.
You save
₹12.0 L
Indicative calculations assuming a constant interest rate; actual bank terms may vary. Prepayment on floating-rate home loans carries no penalty in India.
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