Calculate home loan EMI with amortization schedule
Home Loan EMI Calculator is a free, browser-based tool that lets you calculate home loan emi with amortization schedule — with zero signup, zero installation. Your data never leaves your browser. Part of 67+ free developer and business tools at wowhow.cloud, built and maintained by a team with 14+ years of hands-on development experience.
Your Monthly EMI
Rs 43,391
for 20 years at 8.5% p.a.
Total Interest
Rs 54,13,879
Total Payment
Rs 1,04,13,879
Processing Fee
Rs 25,000
Effective Cost
Rs 54,38,879
| Year | Opening Balance | EMI Paid | Principal Paid | Interest Paid | Closing Balance |
|---|---|---|---|---|---|
| 1 | Rs 50,00,000 | Rs 5,20,694 | Rs 99,511 | Rs 4,21,182 | Rs 49,00,489 |
| 2 | Rs 49,00,489 | Rs 5,20,694 | Rs 1,08,307 | Rs 4,12,387 | Rs 47,92,181 |
| 3 | Rs 47,92,181 | Rs 5,20,694 | Rs 1,17,881 | Rs 4,02,813 | Rs 46,74,300 |
| 4 | Rs 46,74,300 | Rs 5,20,694 | Rs 1,28,300 | Rs 3,92,394 | Rs 45,46,000 |
| 5 | Rs 45,46,000 | Rs 5,20,694 | Rs 1,39,641 | Rs 3,81,053 | Rs 44,06,359 |
| 6 | Rs 44,06,359 | Rs 5,20,694 | Rs 1,51,984 | Rs 3,68,710 | Rs 42,54,375 |
| 7 | Rs 42,54,375 | Rs 5,20,694 | Rs 1,65,418 | Rs 3,55,276 | Rs 40,88,957 |
| 8 | Rs 40,88,957 | Rs 5,20,694 | Rs 1,80,039 | Rs 3,40,655 | Rs 39,08,918 |
| 9 | Rs 39,08,918 | Rs 5,20,694 | Rs 1,95,953 | Rs 3,24,741 | Rs 37,12,965 |
| 10 | Rs 37,12,965 | Rs 5,20,694 | Rs 2,13,274 | Rs 3,07,420 | Rs 34,99,691 |
| 11 | Rs 34,99,691 | Rs 5,20,694 | Rs 2,32,125 | Rs 2,88,569 | Rs 32,67,566 |
| 12 | Rs 32,67,566 | Rs 5,20,694 | Rs 2,52,643 | Rs 2,68,051 | Rs 30,14,923 |
| 13 | Rs 30,14,923 | Rs 5,20,694 | Rs 2,74,974 | Rs 2,45,720 | Rs 27,39,949 |
| 14 | Rs 27,39,949 | Rs 5,20,694 | Rs 2,99,279 | Rs 2,21,415 | Rs 24,40,670 |
| 15 | Rs 24,40,670 | Rs 5,20,694 | Rs 3,25,733 | Rs 1,94,961 | Rs 21,14,937 |
| 16 | Rs 21,14,937 | Rs 5,20,694 | Rs 3,54,525 | Rs 1,66,169 | Rs 17,60,412 |
| 17 | Rs 17,60,412 | Rs 5,20,694 | Rs 3,85,862 | Rs 1,34,832 | Rs 13,74,550 |
| 18 | Rs 13,74,550 | Rs 5,20,694 | Rs 4,19,968 | Rs 1,00,726 | Rs 9,54,582 |
| 19 | Rs 9,54,582 | Rs 5,20,694 | Rs 4,57,090 | Rs 63,604 | Rs 4,97,492 |
| 20 | Rs 4,97,492 | Rs 5,20,694 | Rs 4,97,492 | Rs 23,202 | Rs 0 |
Enter your desired home loan amount
Set the interest rate offered by your bank
Choose loan tenure (5 to 30 years)
View monthly EMI, total interest, and year-wise amortization schedule
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