🏠 Home Loan EMI Calculator — EMI + Amortisation (Free, India)

Know your exact home loan EMI — plus how much interest you really pay.

Loan amount (₹) — 50,00,000 Interest rate (% p.a.) — 8.5 Tenure (years) — 20

₹0

Monthly EMI

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Total interest

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Total payable

PrincipalInterest

Year	Principal paid	Interest paid	Balance

How is home loan EMI calculated?

EMI = P × r × (1+r)^n / ((1+r)^n − 1), where r is the monthly interest rate and n the number of months. Interest is charged on reducing balance.

What tax benefits do I get?

Principal repayment up to ₹1.5 lakh under 80C; interest up to ₹2 lakh under 24(b) for self-occupied property.

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