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
Monthly EMI
₹21,696
₹21.70 T
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
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
How to Use This Calculator
Get the most out of our EMI calculator with these simple steps
Enter Loan Details
Input your loan amount, interest rate, and tenure. Use preset buttons for quick selection.
View Results
See your monthly EMI, total interest, and payment breakdown in charts and tables.
Plan Prepayments
Enable prepayment planning to see how extra payments can save you money.
Key Features
Visual Charts
Pie and bar charts show payment breakdown clearly
Payment Schedule
Click any year to see monthly payment details
Prepayment Planning
Add monthly, yearly, or one-time prepayments
Scenario Comparison
See how rate and tenure changes affect your loan
Understanding Prepayments
Monthly Prepayment
Add extra amount to your regular EMI every month
Best for: Steady income earners
Yearly Prepayment
Make prepayments annually from bonus or savings
Best for: Variable income professionals
One-time Prepayment
Large prepayment from windfall or inheritance
Best for: Lump sum amounts
Smart Tips
40% Rule: Keep EMI under 40% of monthly income
Early Impact: Prepayments in first 5 years save most interest
Emergency Fund: Keep 6-month EMI as emergency fund
Rate Review: Negotiate rates every 2-3 years
Ready to Compare Loan Options?
Check current interest rates from top banks and find the best deal for your home loan.