Home Loan EMI Calculator
Enter your loan details below to instantly see your monthly EMI, total interest outgo, and a year-by-year repayment breakdown.
₹5 lakh₹2 crore
6%15%
1 year30 years
Your EMI Breakdown
Monthly EMI
₹43,391
per month for 20 years
Principal Amount
₹50,00,000
Total Interest
₹54,13,820
Total Amount Paid
₹1,04,13,820
Interest-to-Principal
108%
Principal vs Interest Split
Principal
₹50,00,000
48%
Total Interest
₹54,13,820
52%
At 8.5% for 20 years, you pay more in interest than you borrowed. On a ₹50 lakh loan, the bank earns ₹54.1 lakh from you over the loan term. Even small prepayments early in the tenure can significantly reduce this.
Year-by-Year Repayment Schedule
| Year | Principal Paid | Interest Paid | Balance Remaining |
|---|