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  • Deprecated function: Creation of dynamic property Drupal\tablefield\TableValue::$value is deprecated in Drupal\Core\TypedData\TypedData->setValue() (line 102 of core/lib/Drupal/Core/TypedData/TypedData.php).
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  • Deprecated function: Creation of dynamic property Drupal\tablefield\Plugin\Field\FieldFormatter\TablefieldFormatter::$ModuleHandler is deprecated in Drupal\tablefield\Plugin\Field\FieldFormatter\TablefieldFormatter->__construct() (line 57 of modules/contrib/tablefield/src/Plugin/Field/FieldFormatter/TablefieldFormatter.php).
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Drupal\tablefield\Plugin\Field\FieldFormatter\TablefieldFormatter::create(Object, Array, 'tablefield', Array) (Line: 64)
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Drupal\Core\Theme\ThemeManager->render('ecp_calculator_page', Array) (Line: 480)
Drupal\Core\Render\Renderer->doRender(Array, ) (Line: 240)
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  • Warning: Undefined array key "caption" in Drupal\tablefield\Plugin\Field\FieldFormatter\TablefieldFormatter->viewElements() (line 150 of modules/contrib/tablefield/src/Plugin/Field/FieldFormatter/TablefieldFormatter.php).
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twig_render_template('themes/techprosolutions/templates/field/field.html.twig', Array) (Line: 348)
Drupal\Core\Theme\ThemeManager->render('field', Array) (Line: 480)
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Home Loan EMI Calculator

Plan the biggest EMI of your life — see the monthly outgo, the interest you pay over the full tenure and how the balance falls year by year.

Year-wise repayment
Year Principal Interest Balance
1 ₹99,511 ₹4,21,182 ₹49,00,489
2 ₹1,08,307 ₹4,12,387 ₹47,92,181
3 ₹1,17,881 ₹4,02,813 ₹46,74,300
4 ₹1,28,300 ₹3,92,394 ₹45,46,000
5 ₹1,39,641 ₹3,81,053 ₹44,06,359
6 ₹1,51,984 ₹3,68,710 ₹42,54,375
7 ₹1,65,418 ₹3,55,276 ₹40,88,957
8 ₹1,80,039 ₹3,40,655 ₹39,08,918
9 ₹1,95,953 ₹3,24,741 ₹37,12,965
10 ₹2,13,274 ₹3,07,420 ₹34,99,691
11 ₹2,32,125 ₹2,88,569 ₹32,67,566
12 ₹2,52,643 ₹2,68,051 ₹30,14,923
13 ₹2,74,974 ₹2,45,720 ₹27,39,949
14 ₹2,99,279 ₹2,21,415 ₹24,40,670
15 ₹3,25,733 ₹1,94,961 ₹21,14,937
16 ₹3,54,525 ₹1,66,169 ₹17,60,412
17 ₹3,85,862 ₹1,34,832 ₹13,74,550
18 ₹4,19,968 ₹1,00,726 ₹9,54,582
19 ₹4,57,090 ₹63,604 ₹4,97,492
20 ₹4,97,492 ₹23,202 ₹0

What a home loan EMI really commits you to

A home loan is the largest EMI most households will ever commit to, and it runs the longest — 15, 20, even 30 years. Over tenures like that, the interest can quietly grow larger than the house loan itself, which is why the monthly figure alone never tells the full story.

This calculator shows all of it: the monthly EMI, the total interest over the full tenure, the total you will repay, and a year-wise schedule of how the outstanding balance falls. Use it before you negotiate — knowing what 0.25% off the rate is worth over 20 years changes the conversation with your bank.

The EMI formula

EMI = P × r × (1 + r)ⁿ ÷ ((1 + r)ⁿ − 1)

  • P — the loan amount (principal)
  • r — the monthly interest rate: annual rate ÷ 12 ÷ 100
  • n — the number of monthly instalments (tenure in months)

This is the reducing-balance convention every bank uses: interest accrues each month on the balance still outstanding, so early EMIs are interest-heavy and later ones repay mostly principal. At a zero rate the EMI degrades to a flat principal split. The year-wise schedule under the widget buckets the instalments into 12-month windows whose closing balance lands exactly on zero.

How to use this calculator

  1. Enter the home loan amount — ₹5 lakh to ₹10 crore. Enter the loan you need after your down payment, not the property price.
  2. Set the interest rate (5–20% p.a. slider; home loans currently cluster around 8–9.5% depending on your credit score and lender).
  3. Set the loan tenure in years and months, up to 30 years.
  4. Read the monthly EMI, total interest and total payment; the doughnut shows how much of everything you repay is actually interest.
  5. Open the year-wise repayment table — the early rows show how slowly the principal moves at first, which is exactly why early prepayment is so effective.

A worked example

₹50,00,000 at 8.5% p.a. for 20 years:

  • Monthly EMI: ₹43,391.16 for 240 months
  • Total interest: ₹54,13,878.80 — more than the loan itself
  • Total payment: ₹1,04,13,878.80, roughly ₹1.04 crore for a ₹50 lakh loan

In year one you pay about ₹5.21 lakh, but only ₹99,511.46 of it reduces the loan — ₹4,21,182.49 is interest. The balance after 12 EMIs is still ₹49,00,488.54.

The same ₹50 lakh loan at 8.5%, across tenures

Tenure Monthly EMI Total interest Total repaid
10 years ₹61,993 ₹24.4 L ₹74.4 L
15 years ₹49,237 ₹38.6 L ₹88.6 L
20 years ₹43,391 ₹54.1 L ₹1.04 Cr
25 years ₹40,261 ₹70.8 L ₹1.21 Cr
30 years ₹38,446 ₹88.4 L ₹1.38 Cr

Going from 20 to 30 years trims the EMI by about ₹4,945 a month but adds roughly ₹34.3 lakh of interest. Figures from the same engine as the widget, rounded for readability.

Why prepayment works so well on home loans

Because early EMIs are almost all interest, every rupee prepaid in the first few years kills interest that would otherwise compound against you for decades. On the ₹50 lakh example above, the first year of payments reduces the principal by under ₹1 lakh — so a ₹1 lakh prepayment in year one effectively doubles that year's progress.

Most banks let you prepay floating-rate home loans without charges. Run your own numbers in the loan prepayment calculator linked below before you decide between prepaying and investing a surplus.

Home loan questions, answered

Tax treatment under both regimes, down payment norms, rate choices and foreclosure rules.