Use the Home Loan EMI Calculator to estimate monthly mortgage payments based on loan amount, tenure, and interest rate.
| Property Value | — |
| Down Payment | — |
| Loan Principal | — |
| Annual Interest Rate | — |
| Loan Tenure | — |
| Total No. of EMIs | — |
| Total Interest Payable | — |
| Total Amount Payable | — |
| Month | EMI | Principal | Interest | Balance |
|---|---|---|---|---|
| Enter loan details to generate schedule | ||||
Input the total property price and your down payment amount — or choose a quick down payment percentage chip.
The loan principal is auto-calculated from your property value minus the down payment. Adjust it manually if needed.
Select your annual interest rate and repayment tenure. Use quick chips for common home loan durations of 10–30 years.
Instantly see your monthly EMI, total interest, and download the full amortization schedule for your mortgage.
Results update in real-time as you type. Enter your loan amount, rate, and tenure — your mortgage EMI is computed instantly without pressing any button.
Enter the full property price and select your down payment percentage. The calculator auto-computes your loan principal — just like a real mortgage application.
See a month-by-month breakdown of every mortgage payment — how much goes toward principal, how much toward interest, and your remaining balance each month.
Works with USD, INR, GBP, EUR, JPY, CAD, AUD, AED, SGD, CHF and 40+ more currencies — ideal for home buyers worldwide.
Download your full EMI schedule as a CSV spreadsheet or print a clean PDF mortgage report — perfect for sharing with your bank or mortgage advisor.
All calculations happen locally in your browser. No data is ever sent to any server, no sign-up required, and it's always completely free to use.
A Home Loan EMI (Equated Monthly Installment) is a fixed monthly payment you make to your bank or lender to repay your mortgage. It includes both the principal repayment and the interest charged for that month, structured so the loan is fully paid off by the end of the tenure.
Home loan EMIs are calculated using the reducing-balance method — meaning interest is charged only on the outstanding loan balance each month, not on the original loan amount. This means as you pay down principal, your interest portion gradually decreases while your principal portion grows.
Before approaching a lender, know exactly what monthly EMI you can comfortably afford — and work backwards to your maximum loan amount.
Affordability CheckRun multiple scenarios across different lenders, rates, and tenures to find the mortgage structure that minimizes your total cost of borrowing.
Smart ComparisonSee how increasing your down payment from 10% to 20% or 30% reduces your monthly EMI and total interest paid over the loan's lifetime.
Down Payment PlannerA home loan's true cost is far more than the sticker price. See the full picture — total interest paid over 20–30 years — so there are no surprises.
Full TransparencyA 30-year mortgage has a lower EMI than a 20-year one, but costs far more in total interest. Find the tenure that balances cash flow and total cost.
Tenure OptimizerUse the amortization schedule to identify high-interest months and plan strategic prepayments that can save years off your mortgage and thousands in interest.
Prepayment StrategyCalculate EMI for home, car, personal, and education loans all in one place with one unified tool.
Compute monthly EMI for personal loans with tenures up to 7 years across 50+ currencies.
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Plan your education loan repayments with flexible tenure and interest rate options.
Calculate compound interest growth on savings or investments to compare with mortgage costs.
Calculate simple interest on loans and savings to understand basic interest calculations.
Free, instant, and accurate no account required. Run your first calculation in under 10 seconds.
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