Advance Home Loan EMI Calculator
Calculate your monthly EMI, explore yearly payment breakdowns, and analyze prepayment benefits with our comprehensive home loan calculator designed for Indian Home Loan Buyers.
Loan Calculator
Adjust the values below to see instant results
₹
₹1L ₹25.00 L ₹1Cr
6% 8.5% 15%
Monthly EMI
₹21,696
₹21.70 K
Principal Amount
₹25,00,000
₹25.00 L
Total Interest
₹27,06,939
₹27.07 L
Total Amount
₹52,06,939
₹52.07 L
Loan Summary
Loan Amount: ₹25,00,000
Interest Rate: 8.5% per annum
Original Tenure: 20 years
Total Months: 240 months
Monthly EMI: ₹21,696
Total Interest: ₹27,06,939
Total Amount: ₹52,06,939
Interest Percentage: 52.0%
Yearly Payment Schedule
Click on any year to see monthly breakdown
Smart EMI Tips
- 40% Rule: Keep your EMI under 40% of monthly income for financial comfort
- Prepayment Strategy: Even ₹50,000 annual prepayment can save lakhs in interest
- Rate Shopping: 0.5% rate difference can save ₹2-3 lakhs over loan tenure
- Tenure Balance: Shorter tenure = Higher EMI but lower total interest
- Early Years: Most of your EMI goes toward interest in the beginning
Understanding Prepayments
- Yearly: Make prepayments at the end of each year or every few years
- Monthly: Add extra amount to your regular EMI every month
- One-time: Make a large prepayment from bonus, inheritance, etc.
- Best Time: Earlier prepayments save more interest than later ones
- Tax Benefit: Check if prepayment affects your tax deductions
Quick Comparison Scenarios
See how small changes can make a big difference
If Interest Rate ↓ by 0.5%
Monthly EMI would be:
₹20,911
Save ₹785 per month
Total savings: ₹1,88,299
If Tenure ↓ by 5 years
Monthly EMI would be:
₹24,618
Higher EMI: +₹2,923
Interest saved: ₹7,75,611
If Loan Amount ↑ by ₹10L
Monthly EMI would be:
₹30,374
Higher EMI: +₹8,678
For ₹10L more loan