Mortgage Calculator
Figure out your real monthly home payment — EMI, interest, taxes, and the full amortization picture.
* This calculator provides estimates for planning purposes. Actual mortgage terms depend on the lender, credit score, and market conditions. Consult a financial advisor.
Mortgage Calculator कसरी प्रयोग गर्ने
- 1
Enter the property/home price using the slider or type the amount.
- 2
Set your down payment percentage (default 20%).
- 3
Enter the annual interest rate offered by your lender.
- 4
Choose the loan tenure in years.
- 5
Optionally add annual property tax and insurance.
- 6
View your monthly EMI, total payment, and interest breakdown.
- 7
Toggle the amortization schedule to see year-by-year details.
Mortgage Calculator बारेमा
Buying a home is probably the biggest financial decision you'll ever make — and the scariest part is not knowing what you'll actually pay each month. This mortgage calculator takes the guesswork out. Plug in your home price, down payment, interest rate, and loan tenure, and you'll see your exact monthly EMI in seconds.
Why the sticker price isn't the real cost
A ₹50 lakh home at 8.5% interest over 20 years doesn't cost ₹50 lakh — it costs closer to ₹1.03 crore when you add up all the interest. That's the kind of number most people don't see until they're already locked in. This calculator shows you the full picture upfront: principal vs. interest breakdown, year-by-year amortization, and optional property tax and insurance so you know your true monthly outgo.
What you can do with it
- Compare different down payment amounts — see how 10% vs. 20% down changes your EMI
- Test different interest rates to prepare for rate hikes
- Add property tax and insurance for the complete monthly cost
- View the amortization schedule to see how much goes to interest vs. principal each year
- Play with the tenure — a 15-year loan saves lakhs in interest vs. 30 years
Whether you're a first-time buyer trying to figure out what you can afford, or you're comparing refinance options, the numbers here will help you negotiate with confidence. Everything runs in your browser — no data is sent anywhere.