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Home Loan EMI Calculator
Home loan EMI with year-wise amortisation, one-time prepayment simulation, and Sec 24(b) / 80C tax benefit.
Inputs
Results
Monthly EMI₹ 43,391.16
Total Interest₹ 54,13,879
Total Amount Paid₹ 1,04,13,879
Sec 24(b) Interest Deduction (Yr 1)₹ 2,00,000
Sec 80C Principal Deduction (Yr 1)₹ 99,511
| Year | Principal | Interest | Prepay | Balance |
|---|---|---|---|---|
| 1 | ₹ 99,511 | ₹ 4,21,182 | — | ₹ 49,00,489 |
| 2 | ₹ 1,08,307 | ₹ 4,12,387 | — | ₹ 47,92,181 |
| 3 | ₹ 1,17,881 | ₹ 4,02,813 | — | ₹ 46,74,300 |
| 4 | ₹ 1,28,300 | ₹ 3,92,394 | — | ₹ 45,46,000 |
| 5 | ₹ 1,39,641 | ₹ 3,81,053 | — | ₹ 44,06,359 |
| 6 | ₹ 1,51,984 | ₹ 3,68,710 | — | ₹ 42,54,375 |
| 7 | ₹ 1,65,418 | ₹ 3,55,276 | — | ₹ 40,88,957 |
| 8 | ₹ 1,80,039 | ₹ 3,40,655 | — | ₹ 39,08,918 |
| 9 | ₹ 1,95,953 | ₹ 3,24,741 | — | ₹ 37,12,965 |
| 10 | ₹ 2,13,274 | ₹ 3,07,420 | — | ₹ 34,99,691 |
| 11 | ₹ 2,32,125 | ₹ 2,88,569 | — | ₹ 32,67,566 |
| 12 | ₹ 2,52,643 | ₹ 2,68,051 | — | ₹ 30,14,923 |
| 13 | ₹ 2,74,974 | ₹ 2,45,720 | — | ₹ 27,39,949 |
| 14 | ₹ 2,99,279 | ₹ 2,21,415 | — | ₹ 24,40,670 |
| 15 | ₹ 3,25,733 | ₹ 1,94,961 | — | ₹ 21,14,937 |
| 16 | ₹ 3,54,525 | ₹ 1,66,169 | — | ₹ 17,60,412 |
| 17 | ₹ 3,85,862 | ₹ 1,34,832 | — | ₹ 13,74,550 |
| 18 | ₹ 4,19,968 | ₹ 1,00,726 | — | ₹ 9,54,582 |
| 19 | ₹ 4,57,090 | ₹ 63,604 | — | ₹ 4,97,492 |
| 20 | ₹ 4,97,492 | ₹ 23,202 | — | ₹ 0 |