Loan Calculator Home

Free loan calculator home to calculate EMI, monthly payments, total interest, and repayment schedules for home loans, home equity loans, and home improvement loans. Supports SBI, HDFC, ICICI banks in India. Plan your mortgage with instant results and export to Excel.

Calculator Mode

Loan Details

Down Payment: 20.00%

Results

Loan Amount
₹40,00,000
Monthly EMI
₹35,348
Total Interest
₹44,83,622
Total Payment
₹84,83,622
Payment Schedule
MonthPayment DateBeginning BalancePrincipalInterestExtra PaymentTotal PaymentEnding Balance
1Dec 2025₹40,00,000₹6,182₹29,167₹0₹35,348₹39,93,818
2Jan 2026₹39,93,818₹6,227₹29,122₹0₹35,348₹39,87,591
3Feb 2026₹39,87,591₹6,272₹29,076₹0₹35,348₹39,81,319
4Mar 2026₹39,81,319₹6,318₹29,030₹0₹35,348₹39,75,001
5Apr 2026₹39,75,001₹6,364₹28,984₹0₹35,348₹39,68,637
6May 2026₹39,68,637₹6,410₹28,938₹0₹35,348₹39,62,227
7Jun 2026₹39,62,227₹6,457₹28,891₹0₹35,348₹39,55,769
8Jul 2026₹39,55,769₹6,504₹28,844₹0₹35,348₹39,49,265
9Aug 2026₹39,49,265₹6,552₹28,797₹0₹35,348₹39,42,714
10Sep 2026₹39,42,714₹6,599₹28,749₹0₹35,348₹39,36,114
11Oct 2026₹39,36,114₹6,648₹28,701₹0₹35,348₹39,29,466
12Nov 2026₹39,29,466₹6,696₹28,652₹0₹35,348₹39,22,770
13Dec 2026₹39,22,770₹6,745₹28,604₹0₹35,348₹39,16,025
14Jan 2027₹39,16,025₹6,794₹28,554₹0₹35,348₹39,09,231
15Feb 2027₹39,09,231₹6,844₹28,505₹0₹35,348₹39,02,388
16Mar 2027₹39,02,388₹6,894₹28,455₹0₹35,348₹38,95,494
17Apr 2027₹38,95,494₹6,944₹28,405₹0₹35,348₹38,88,550
18May 2027₹38,88,550₹6,994₹28,354₹0₹35,348₹38,81,556
19Jun 2027₹38,81,556₹7,045₹28,303₹0₹35,348₹38,74,511
20Jul 2027₹38,74,511₹7,097₹28,252₹0₹35,348₹38,67,414
21Aug 2027₹38,67,414₹7,149₹28,200₹0₹35,348₹38,60,265
22Sep 2027₹38,60,265₹7,201₹28,148₹0₹35,348₹38,53,065
23Oct 2027₹38,53,065₹7,253₹28,095₹0₹35,348₹38,45,811
24Nov 2027₹38,45,811₹7,306₹28,042₹0₹35,348₹38,38,505
25Dec 2027₹38,38,505₹7,359₹27,989₹0₹35,348₹38,31,146
26Jan 2028₹38,31,146₹7,413₹27,935₹0₹35,348₹38,23,733
27Feb 2028₹38,23,733₹7,467₹27,881₹0₹35,348₹38,16,266
28Mar 2028₹38,16,266₹7,521₹27,827₹0₹35,348₹38,08,745
29Apr 2028₹38,08,745₹7,576₹27,772₹0₹35,348₹38,01,168
30May 2028₹38,01,168₹7,632₹27,717₹0₹35,348₹37,93,537
31Jun 2028₹37,93,537₹7,687₹27,661₹0₹35,348₹37,85,849
32Jul 2028₹37,85,849₹7,743₹27,605₹0₹35,348₹37,78,106
33Aug 2028₹37,78,106₹7,800₹27,549₹0₹35,348₹37,70,306
34Sep 2028₹37,70,306₹7,857₹27,492₹0₹35,348₹37,62,450
35Oct 2028₹37,62,450₹7,914₹27,435₹0₹35,348₹37,54,536
36Nov 2028₹37,54,536₹7,972₹27,377₹0₹35,348₹37,46,564
37Dec 2028₹37,46,564₹8,030₹27,319₹0₹35,348₹37,38,535
38Jan 2029₹37,38,535₹8,088₹27,260₹0₹35,348₹37,30,446
39Feb 2029₹37,30,446₹8,147₹27,201₹0₹35,348₹37,22,299
40Mar 2029₹37,22,299₹8,207₹27,142₹0₹35,348₹37,14,092
41Apr 2029₹37,14,092₹8,267₹27,082₹0₹35,348₹37,05,826
42May 2029₹37,05,826₹8,327₹27,022₹0₹35,348₹36,97,499
43Jun 2029₹36,97,499₹8,388₹26,961₹0₹35,348₹36,89,112
44Jul 2029₹36,89,112₹8,449₹26,900₹0₹35,348₹36,80,663
45Aug 2029₹36,80,663₹8,510₹26,838₹0₹35,348₹36,72,153
46Sep 2029₹36,72,153₹8,572₹26,776₹0₹35,348₹36,63,580
47Oct 2029₹36,63,580₹8,635₹26,714₹0₹35,348₹36,54,945
48Nov 2029₹36,54,945₹8,698₹26,651₹0₹35,348₹36,46,248
49Dec 2029₹36,46,248₹8,761₹26,587₹0₹35,348₹36,37,486
50Jan 2030₹36,37,486₹8,825₹26,523₹0₹35,348₹36,28,661
51Feb 2030₹36,28,661₹8,889₹26,459₹0₹35,348₹36,19,772
52Mar 2030₹36,19,772₹8,954₹26,394₹0₹35,348₹36,10,818
53Apr 2030₹36,10,818₹9,020₹26,329₹0₹35,348₹36,01,798
54May 2030₹36,01,798₹9,085₹26,263₹0₹35,348₹35,92,713
55Jun 2030₹35,92,713₹9,152₹26,197₹0₹35,348₹35,83,561
56Jul 2030₹35,83,561₹9,218₹26,130₹0₹35,348₹35,74,343
57Aug 2030₹35,74,343₹9,286₹26,063₹0₹35,348₹35,65,057
58Sep 2030₹35,65,057₹9,353₹25,995₹0₹35,348₹35,55,704
59Oct 2030₹35,55,704₹9,421₹25,927₹0₹35,348₹35,46,283
60Nov 2030₹35,46,283₹9,490₹25,858₹0₹35,348₹35,36,793
61Dec 2030₹35,36,793₹9,559₹25,789₹0₹35,348₹35,27,233
62Jan 2031₹35,27,233₹9,629₹25,719₹0₹35,348₹35,17,604
63Feb 2031₹35,17,604₹9,699₹25,649₹0₹35,348₹35,07,905
64Mar 2031₹35,07,905₹9,770₹25,578₹0₹35,348₹34,98,135
65Apr 2031₹34,98,135₹9,841₹25,507₹0₹35,348₹34,88,294
66May 2031₹34,88,294₹9,913₹25,435₹0₹35,348₹34,78,381
67Jun 2031₹34,78,381₹9,985₹25,363₹0₹35,348₹34,68,396
68Jul 2031₹34,68,396₹10,058₹25,290₹0₹35,348₹34,58,338
69Aug 2031₹34,58,338₹10,131₹25,217₹0₹35,348₹34,48,206
70Sep 2031₹34,48,206₹10,205₹25,143₹0₹35,348₹34,38,001
71Oct 2031₹34,38,001₹10,280₹25,069₹0₹35,348₹34,27,721
72Nov 2031₹34,27,721₹10,355₹24,994₹0₹35,348₹34,17,367
73Dec 2031₹34,17,367₹10,430₹24,918₹0₹35,348₹34,06,937
74Jan 2032₹34,06,937₹10,506₹24,842₹0₹35,348₹33,96,430
75Feb 2032₹33,96,430₹10,583₹24,766₹0₹35,348₹33,85,848
76Mar 2032₹33,85,848₹10,660₹24,688₹0₹35,348₹33,75,188
77Apr 2032₹33,75,188₹10,738₹24,611₹0₹35,348₹33,64,450
78May 2032₹33,64,450₹10,816₹24,532₹0₹35,348₹33,53,634
79Jun 2032₹33,53,634₹10,895₹24,454₹0₹35,348₹33,42,739
80Jul 2032₹33,42,739₹10,974₹24,374₹0₹35,348₹33,31,765
81Aug 2032₹33,31,765₹11,054₹24,294₹0₹35,348₹33,20,711
82Sep 2032₹33,20,711₹11,135₹24,214₹0₹35,348₹33,09,576
83Oct 2032₹33,09,576₹11,216₹24,132₹0₹35,348₹32,98,360
84Nov 2032₹32,98,360₹11,298₹24,051₹0₹35,348₹32,87,062
85Dec 2032₹32,87,062₹11,380₹23,968₹0₹35,348₹32,75,681
86Jan 2033₹32,75,681₹11,463₹23,885₹0₹35,348₹32,64,218
87Feb 2033₹32,64,218₹11,547₹23,802₹0₹35,348₹32,52,671
88Mar 2033₹32,52,671₹11,631₹23,717₹0₹35,348₹32,41,040
89Apr 2033₹32,41,040₹11,716₹23,633₹0₹35,348₹32,29,324
90May 2033₹32,29,324₹11,801₹23,547₹0₹35,348₹32,17,523
91Jun 2033₹32,17,523₹11,887₹23,461₹0₹35,348₹32,05,636
92Jul 2033₹32,05,636₹11,974₹23,374₹0₹35,348₹31,93,662
93Aug 2033₹31,93,662₹12,061₹23,287₹0₹35,348₹31,81,601
94Sep 2033₹31,81,601₹12,149₹23,199₹0₹35,348₹31,69,451
95Oct 2033₹31,69,451₹12,238₹23,111₹0₹35,348₹31,57,213
96Nov 2033₹31,57,213₹12,327₹23,021₹0₹35,348₹31,44,886
97Dec 2033₹31,44,886₹12,417₹22,931₹0₹35,348₹31,32,469
98Jan 2034₹31,32,469₹12,508₹22,841₹0₹35,348₹31,19,962
99Feb 2034₹31,19,962₹12,599₹22,750₹0₹35,348₹31,07,363
100Mar 2034₹31,07,363₹12,691₹22,658₹0₹35,348₹30,94,673
101Apr 2034₹30,94,673₹12,783₹22,565₹0₹35,348₹30,81,890
102May 2034₹30,81,890₹12,876₹22,472₹0₹35,348₹30,69,013
103Jun 2034₹30,69,013₹12,970₹22,378₹0₹35,348₹30,56,043
104Jul 2034₹30,56,043₹13,065₹22,284₹0₹35,348₹30,42,978
105Aug 2034₹30,42,978₹13,160₹22,188₹0₹35,348₹30,29,818
106Sep 2034₹30,29,818₹13,256₹22,092₹0₹35,348₹30,16,562
107Oct 2034₹30,16,562₹13,353₹21,996₹0₹35,348₹30,03,209
108Nov 2034₹30,03,209₹13,450₹21,898₹0₹35,348₹29,89,759
109Dec 2034₹29,89,759₹13,548₹21,800₹0₹35,348₹29,76,211
110Jan 2035₹29,76,211₹13,647₹21,702₹0₹35,348₹29,62,564
111Feb 2035₹29,62,564₹13,746₹21,602₹0₹35,348₹29,48,818
112Mar 2035₹29,48,818₹13,847₹21,502₹0₹35,348₹29,34,971
113Apr 2035₹29,34,971₹13,948₹21,401₹0₹35,348₹29,21,024
114May 2035₹29,21,024₹14,049₹21,299₹0₹35,348₹29,06,975
115Jun 2035₹29,06,975₹14,152₹21,197₹0₹35,348₹28,92,823
116Jul 2035₹28,92,823₹14,255₹21,094₹0₹35,348₹28,78,568
117Aug 2035₹28,78,568₹14,359₹20,990₹0₹35,348₹28,64,209
118Sep 2035₹28,64,209₹14,464₹20,885₹0₹35,348₹28,49,745
119Oct 2035₹28,49,745₹14,569₹20,779₹0₹35,348₹28,35,176
120Nov 2035₹28,35,176₹14,675₹20,673₹0₹35,348₹28,20,501
121Dec 2035₹28,20,501₹14,782₹20,566₹0₹35,348₹28,05,719
122Jan 2036₹28,05,719₹14,890₹20,458₹0₹35,348₹27,90,829
123Feb 2036₹27,90,829₹14,999₹20,350₹0₹35,348₹27,75,830
124Mar 2036₹27,75,830₹15,108₹20,240₹0₹35,348₹27,60,722
125Apr 2036₹27,60,722₹15,218₹20,130₹0₹35,348₹27,45,504
126May 2036₹27,45,504₹15,329₹20,019₹0₹35,348₹27,30,175
127Jun 2036₹27,30,175₹15,441₹19,908₹0₹35,348₹27,14,734
128Jul 2036₹27,14,734₹15,554₹19,795₹0₹35,348₹26,99,180
129Aug 2036₹26,99,180₹15,667₹19,682₹0₹35,348₹26,83,514
130Sep 2036₹26,83,514₹15,781₹19,567₹0₹35,348₹26,67,732
131Oct 2036₹26,67,732₹15,896₹19,452₹0₹35,348₹26,51,836
132Nov 2036₹26,51,836₹16,012₹19,336₹0₹35,348₹26,35,824
133Dec 2036₹26,35,824₹16,129₹19,220₹0₹35,348₹26,19,695
134Jan 2037₹26,19,695₹16,246₹19,102₹0₹35,348₹26,03,449
135Feb 2037₹26,03,449₹16,365₹18,983₹0₹35,348₹25,87,084
136Mar 2037₹25,87,084₹16,484₹18,864₹0₹35,348₹25,70,599
137Apr 2037₹25,70,599₹16,604₹18,744₹0₹35,348₹25,53,995
138May 2037₹25,53,995₹16,726₹18,623₹0₹35,348₹25,37,269
139Jun 2037₹25,37,269₹16,848₹18,501₹0₹35,348₹25,20,422
140Jul 2037₹25,20,422₹16,970₹18,378₹0₹35,348₹25,03,452
141Aug 2037₹25,03,452₹17,094₹18,254₹0₹35,348₹24,86,357
142Sep 2037₹24,86,357₹17,219₹18,130₹0₹35,348₹24,69,139
143Oct 2037₹24,69,139₹17,344₹18,004₹0₹35,348₹24,51,794
144Nov 2037₹24,51,794₹17,471₹17,878₹0₹35,348₹24,34,324
145Dec 2037₹24,34,324₹17,598₹17,750₹0₹35,348₹24,16,726
146Jan 2038₹24,16,726₹17,726₹17,622₹0₹35,348₹23,98,999
147Feb 2038₹23,98,999₹17,856₹17,493₹0₹35,348₹23,81,143
148Mar 2038₹23,81,143₹17,986₹17,363₹0₹35,348₹23,63,157
149Apr 2038₹23,63,157₹18,117₹17,231₹0₹35,348₹23,45,040
150May 2038₹23,45,040₹18,249₹17,099₹0₹35,348₹23,26,791
151Jun 2038₹23,26,791₹18,382₹16,966₹0₹35,348₹23,08,409
152Jul 2038₹23,08,409₹18,516₹16,832₹0₹35,348₹22,89,893
153Aug 2038₹22,89,893₹18,651₹16,697₹0₹35,348₹22,71,241
154Sep 2038₹22,71,241₹18,787₹16,561₹0₹35,348₹22,52,454
155Oct 2038₹22,52,454₹18,924₹16,424₹0₹35,348₹22,33,530
156Nov 2038₹22,33,530₹19,062₹16,286₹0₹35,348₹22,14,467
157Dec 2038₹22,14,467₹19,201₹16,147₹0₹35,348₹21,95,266
158Jan 2039₹21,95,266₹19,341₹16,007₹0₹35,348₹21,75,925
159Feb 2039₹21,75,925₹19,482₹15,866₹0₹35,348₹21,56,443
160Mar 2039₹21,56,443₹19,624₹15,724₹0₹35,348₹21,36,818
161Apr 2039₹21,36,818₹19,767₹15,581₹0₹35,348₹21,17,051
162May 2039₹21,17,051₹19,912₹15,437₹0₹35,348₹20,97,139
163Jun 2039₹20,97,139₹20,057₹15,292₹0₹35,348₹20,77,082
164Jul 2039₹20,77,082₹20,203₹15,145₹0₹35,348₹20,56,879
165Aug 2039₹20,56,879₹20,350₹14,998₹0₹35,348₹20,36,529
166Sep 2039₹20,36,529₹20,499₹14,850₹0₹35,348₹20,16,030
167Oct 2039₹20,16,030₹20,648₹14,700₹0₹35,348₹19,95,382
168Nov 2039₹19,95,382₹20,799₹14,550₹0₹35,348₹19,74,583
169Dec 2039₹19,74,583₹20,950₹14,398₹0₹35,348₹19,53,633
170Jan 2040₹19,53,633₹21,103₹14,245₹0₹35,348₹19,32,530
171Feb 2040₹19,32,530₹21,257₹14,091₹0₹35,348₹19,11,273
172Mar 2040₹19,11,273₹21,412₹13,936₹0₹35,348₹18,89,861
173Apr 2040₹18,89,861₹21,568₹13,780₹0₹35,348₹18,68,292
174May 2040₹18,68,292₹21,725₹13,623₹0₹35,348₹18,46,567
175Jun 2040₹18,46,567₹21,884₹13,465₹0₹35,348₹18,24,683
176Jul 2040₹18,24,683₹22,043₹13,305₹0₹35,348₹18,02,640
177Aug 2040₹18,02,640₹22,204₹13,144₹0₹35,348₹17,80,435
178Sep 2040₹17,80,435₹22,366₹12,982₹0₹35,348₹17,58,069
179Oct 2040₹17,58,069₹22,529₹12,819₹0₹35,348₹17,35,540
180Nov 2040₹17,35,540₹22,693₹12,655₹0₹35,348₹17,12,847
181Dec 2040₹17,12,847₹22,859₹12,490₹0₹35,348₹16,89,988
182Jan 2041₹16,89,988₹23,026₹12,323₹0₹35,348₹16,66,962
183Feb 2041₹16,66,962₹23,194₹12,155₹0₹35,348₹16,43,769
184Mar 2041₹16,43,769₹23,363₹11,986₹0₹35,348₹16,20,406
185Apr 2041₹16,20,406₹23,533₹11,815₹0₹35,348₹15,96,873
186May 2041₹15,96,873₹23,705₹11,644₹0₹35,348₹15,73,168
187Jun 2041₹15,73,168₹23,877₹11,471₹0₹35,348₹15,49,291
188Jul 2041₹15,49,291₹24,052₹11,297₹0₹35,348₹15,25,240
189Aug 2041₹15,25,240₹24,227₹11,122₹0₹35,348₹15,01,013
190Sep 2041₹15,01,013₹24,404₹10,945₹0₹35,348₹14,76,609
191Oct 2041₹14,76,609₹24,581₹10,767₹0₹35,348₹14,52,028
192Nov 2041₹14,52,028₹24,761₹10,588₹0₹35,348₹14,27,267
193Dec 2041₹14,27,267₹24,941₹10,407₹0₹35,348₹14,02,326
194Jan 2042₹14,02,326₹25,123₹10,225₹0₹35,348₹13,77,202
195Feb 2042₹13,77,202₹25,306₹10,042₹0₹35,348₹13,51,896
196Mar 2042₹13,51,896₹25,491₹9,858₹0₹35,348₹13,26,405
197Apr 2042₹13,26,405₹25,677₹9,672₹0₹35,348₹13,00,729
198May 2042₹13,00,729₹25,864₹9,484₹0₹35,348₹12,74,865
199Jun 2042₹12,74,865₹26,053₹9,296₹0₹35,348₹12,48,812
200Jul 2042₹12,48,812₹26,243₹9,106₹0₹35,348₹12,22,570
201Aug 2042₹12,22,570₹26,434₹8,915₹0₹35,348₹11,96,136
202Sep 2042₹11,96,136₹26,627₹8,722₹0₹35,348₹11,69,509
203Oct 2042₹11,69,509₹26,821₹8,528₹0₹35,348₹11,42,688
204Nov 2042₹11,42,688₹27,016₹8,332₹0₹35,348₹11,15,672
205Dec 2042₹11,15,672₹27,213₹8,135₹0₹35,348₹10,88,459
206Jan 2043₹10,88,459₹27,412₹7,937₹0₹35,348₹10,61,047
207Feb 2043₹10,61,047₹27,612₹7,737₹0₹35,348₹10,33,435
208Mar 2043₹10,33,435₹27,813₹7,535₹0₹35,348₹10,05,622
209Apr 2043₹10,05,622₹28,016₹7,333₹0₹35,348₹9,77,607
210May 2043₹9,77,607₹28,220₹7,128₹0₹35,348₹9,49,386
211Jun 2043₹9,49,386₹28,426₹6,923₹0₹35,348₹9,20,961
212Jul 2043₹9,20,961₹28,633₹6,715₹0₹35,348₹8,92,328
213Aug 2043₹8,92,328₹28,842₹6,507₹0₹35,348₹8,63,486
214Sep 2043₹8,63,486₹29,052₹6,296₹0₹35,348₹8,34,434
215Oct 2043₹8,34,434₹29,264₹6,084₹0₹35,348₹8,05,169
216Nov 2043₹8,05,169₹29,477₹5,871₹0₹35,348₹7,75,692
217Dec 2043₹7,75,692₹29,692₹5,656₹0₹35,348₹7,46,000
218Jan 2044₹7,46,000₹29,909₹5,440₹0₹35,348₹7,16,091
219Feb 2044₹7,16,091₹30,127₹5,222₹0₹35,348₹6,85,964
220Mar 2044₹6,85,964₹30,347₹5,002₹0₹35,348₹6,55,617
221Apr 2044₹6,55,617₹30,568₹4,781₹0₹35,348₹6,25,049
222May 2044₹6,25,049₹30,791₹4,558₹0₹35,348₹5,94,259
223Jun 2044₹5,94,259₹31,015₹4,333₹0₹35,348₹5,63,243
224Jul 2044₹5,63,243₹31,241₹4,107₹0₹35,348₹5,32,002
225Aug 2044₹5,32,002₹31,469₹3,879₹0₹35,348₹5,00,533
226Sep 2044₹5,00,533₹31,699₹3,650₹0₹35,348₹4,68,834
227Oct 2044₹4,68,834₹31,930₹3,419₹0₹35,348₹4,36,904
228Nov 2044₹4,36,904₹32,163₹3,186₹0₹35,348₹4,04,741
229Dec 2044₹4,04,741₹32,397₹2,951₹0₹35,348₹3,72,344
230Jan 2045₹3,72,344₹32,633₹2,715₹0₹35,348₹3,39,711
231Feb 2045₹3,39,711₹32,871₹2,477₹0₹35,348₹3,06,839
232Mar 2045₹3,06,839₹33,111₹2,237₹0₹35,348₹2,73,728
233Apr 2045₹2,73,728₹33,352₹1,996₹0₹35,348₹2,40,376
234May 2045₹2,40,376₹33,596₹1,753₹0₹35,348₹2,06,780
235Jun 2045₹2,06,780₹33,841₹1,508₹0₹35,348₹1,72,940
236Jul 2045₹1,72,940₹34,087₹1,261₹0₹35,348₹1,38,852
237Aug 2045₹1,38,852₹34,336₹1,012₹0₹35,348₹1,04,516
238Sep 2045₹1,04,516₹34,586₹762₹0₹35,348₹69,930
239Oct 2045₹69,930₹34,839₹510₹0₹35,348₹35,091
240Nov 2045₹35,091₹35,091₹256₹0₹35,348₹0