Home Loan EMI Calculator with Prepayment Savings Planner

Work out your monthly EMI, see the interest-vs-principal split, and check how a part-prepayment changes your payoff timeline.

Loan Details

Loan Amount

₹

₹1L₹3Cr

Interest Rate (p.a.)

6%16%

Loan Tenure

yrs

1 yr30 yrs

Monthly EMI

₹43,391

₹54.14 LTotal Interest

₹1.04 CrTotal Payment

Aug 2046Loan End

Principal₹50 L

Interest₹54.14 L

One-time extra payment, applied at end of year

₹

Applied after year

Interest Saved

₹0

vs. paying the full original tenure

Tenure Reduced By

0 months

loan closes earlier

New Payoff Point

Aug 2046

EMI amount stays the same

Year	Principal Paid	Interest Paid	Balance Remaining
Year 1	₹99,511	₹4,21,182	₹49,00,489
Year 2	₹1,08,307	₹4,12,387	₹47,92,181
Year 3	₹1,17,881	₹4,02,813	₹46,74,300
Year 4	₹1,28,300	₹3,92,394	₹45,46,000
Year 5	₹1,39,641	₹3,81,053	₹44,06,359
Year 6	₹1,51,984	₹3,68,710	₹42,54,375
Year 7	₹1,65,418	₹3,55,276	₹40,88,957
Year 8	₹1,80,039	₹3,40,655	₹39,08,918
Year 9	₹1,95,953	₹3,24,741	₹37,12,965
Year 10	₹2,13,274	₹3,07,420	₹34,99,691
Year 11	₹2,32,125	₹2,88,569	₹32,67,566
Year 12	₹2,52,643	₹2,68,051	₹30,14,923
Year 13	₹2,74,974	₹2,45,720	₹27,39,949
Year 14	₹2,99,279	₹2,21,415	₹24,40,670
Year 15	₹3,25,733	₹1,94,961	₹21,14,937
Year 16	₹3,54,525	₹1,66,169	₹17,60,412
Year 17	₹3,85,862	₹1,34,832	₹13,74,550
Year 18	₹4,19,968	₹1,00,726	₹9,54,582
Year 19	₹4,57,090	₹63,604	₹4,97,492
Year 20	₹4,97,492	₹23,202	₹0

Built by Trading Direction · Estimates only — actual bank EMI may vary slightly due to rounding and processing terms.