How it works
Home Loan Amortization Calculator
A home loan is likely the biggest liability you will take on in your lifetime. The EMI you commit to today determines not just your monthly cash flow but also how much total interest you pay over 15–30 years. Even small changes in rate, tenure, or prepayment can save or cost you lakhs.
This calculator generates a complete amortization schedule showing principal and interest breakdown for every month of your loan. You can model monthly extra payments, annual lump-sum prepayments, and yearly step-up increases to see exactly how they shorten your tenure and reduce total interest outgo.
Three quick presets — Standard, Premium, and Budget — let you explore common scenarios instantly. The year-by-year summary table and downloadable schedule make it easy to share with your bank or financial planner.