Calculate EMI, Compare Lenders, Simulate Prepayments & Check Affordability
💡 Note: Actual loan eligibility depends on credit score, employment stability, and lender policies.
| Bank | Interest Rate | Monthly EMI | Total Interest | Processing Fee |
|---|---|---|---|---|
| Calculate EMI to see lender comparison | ||||
| Period | Opening Balance | EMI | Principal | Interest | Closing Balance |
|---|---|---|---|---|---|
| Calculate EMI to see amortization schedule | |||||
Compare monthly Home Loan EMI across 10, 15, 20, and 25-year tenures at the benchmark 8.50% p.a. interest rate. Paying just 1 extra EMI per year (or 5% partial prepayment) on a 20-year loan cuts your tenure to ~15.5 years. Also check your state's 2026 Stamp Duty & Registration Charges before finalizing your property budget.
| Home Loan Principal | 10 Years EMI | 15 Years EMI | 20 Years EMI | 25 Years EMI | Total Interest (20 Yrs) |
|---|---|---|---|---|---|
| ₹20 Lakh | ₹24,797/mo | ₹19,695/mo | ₹17,356/mo | ₹16,105/mo | ₹2,165,552 |
| ₹35 Lakh | ₹43,395/mo | ₹34,466/mo | ₹30,374/mo | ₹28,183/mo | ₹3,789,715 |
| ₹50 Lakh | ₹61,993/mo | ₹49,237/mo | ₹43,391/mo | ₹40,261/mo | ₹5,413,879 |
| ₹75 Lakh | ₹92,989/mo | ₹73,855/mo | ₹65,087/mo | ₹60,392/mo | ₹8,120,818 |
| ₹1 Crore | ₹123,986/mo | ₹98,474/mo | ₹86,782/mo | ₹80,523/mo | ₹10,827,758 |
| ₹1.5 Crore | ₹185,979/mo | ₹147,711/mo | ₹130,173/mo | ₹120,784/mo | ₹16,241,636 |
| ₹2 Crore | ₹247,971/mo | ₹196,948/mo | ₹173,565/mo | ₹161,045/mo | ₹21,655,515 |
100% Browser-based calculations: All your financial data (age, salary, contributions) stays in your browser. Nothing is sent to our servers.
Optional analytics: We use Google Analytics (with IP anonymization) only if you consent. This helps us improve the tool. Your calculation data is never included in analytics.
Ads support: We show Google AdSense ads to keep this tool free. Ads are contextual and don't use your calculation data.