Home Loan Calculator
EMI plus the real cost of owning — taxes, insurance, maintenance and prepayments
Home value₹
₹5L₹5Cr
Down payment%
0%90%
Interest rate (p.a.)%
1%20%
Loan tenureyrs
1 yr30 yrs
Processing fees%
0%3%
Property tax₹/yr
₹0₹2L/yr
Home insurance₹/yr
₹0₹1L/yr
Maintenance₹/mo
₹0₹50k/mo
Extra monthly prepayment₹
₹0₹2L/mo
Monthly EMI (Principal & Interest)
₹0
Principal (loan amount)₹0
Total interest paid₹0
Total monthly payment
₹0
Upfront cost (down payment + fees)
₹0
Loan amount
₹0
Total of all payments
₹0
Year-by-year breakdown
| Year | EMI paid | Extra prepayment | Interest paid | Principal paid | Balance at year end |
|---|
This calculator shows the full monthly cost of homeownership — not just the bank EMI — by including property tax, home insurance and maintenance, and lets you see how an extra monthly prepayment shortens your loan and cuts total interest.