Home Loan EMI Calculator
Compare 4 down payment scenarios side by side. See monthly EMI, total interest, and the true cost of buying — including stamp duty & registration charges. Free, instant, no sign-up.
How EMI is Calculated
EMI uses the standard reducing-balance formula: P × r × (1+r)n / ((1+r)n− 1). A higher down payment means a smaller loan — and dramatically less interest over the loan tenure.
Down Payment Benefits
Putting 20% down instead of 10% can save you lakhs in interest over 20 years. Use the scenario comparison to see the exact savings. Banks also offer better rates for larger down payments.
True Cost of Buying
Your home's real cost isn't just the price tag. Add stamp duty (4-7%), registration (0.5-1%), processing fee, and loan interest — the total can be 40-80% more than the property price.
How to Use This Calculator
Enter Property Price & Loan Details
Enter the price and interest rate. Each of the 4 scenarios has its own down payment % and loan tenure — customize them to compare different combinations.
Compare Scenarios
See 4 down payment options side by side — loan amount, monthly EMI, total interest, and total repayment for each.
Add Stamp Duty (Optional)
Select your city to automatically add stamp duty & registration charges from official circle rates — see the TRUE total cost.
Download & Share
Download a PDF report or share the link with family, your bank, or property agent. Every calculation gets a unique shareable URL.