Home Loan EMI Calculator
₹
₹0₹1 Cr₹2 Cr
%
5%12%20%
1 yr15 yrs30 yrs
6 mo180 mo360 mo
Monthly EMI
₹0
per month
Total Interest
₹0
Total Payment
₹0
Amortization Schedule
| Year / Month | Principal (₹) | Interest (₹) | Total Payment (₹) | Balance (₹) | Paid % |
|---|
How is Home Loan EMI Calculated?
EMI = P × r × (1 + r)^n / ((1 + r)^n − 1), where P = Principal, r = Monthly Rate, n = Tenure in Months.
Home loans are typically for longer durations (10–30 years). The amortization table helps you see how your principal reduces year over year while interest payments dominate the early years.