Home Loan EMI Calculator
Calculate EMI, Interest & Amortization Schedule
Calculate your home loan EMI with detailed breakdown, amortization schedule, and prepayment analysis.
Loan Details
₹50,00,000
₹1L₹5Cr
8.50%
6%15%
20 years
1 year30 years
₹
Extra payment made annually to reduce principal
EMI Formula
EMI = [P × r × (1 + r)^n] / [(1 + r)^n - 1]
Where P = Principal, r = Monthly interest rate, n = Number of months
Tips to Save on Interest
- Make annual prepayments to reduce principal
- Choose shorter tenure if affordable
- Compare rates from multiple lenders
- Consider floating rate for falling markets
- Claim tax deductions under 24b & 80C
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