Calculate your exact monthly EMI, total interest payable, and full amortization schedule using the reducing balance method.
A home loan EMI consists of both principal and interest components. In FY 2026-27, for a ₹50 Lakh loan at an 8.5% floating rate for 20 years, the EMI is approximately ₹43,391. Over the full tenure, you would pay ₹54 Lakh in interest, making the total cost of the house ₹1.04 Crore. Use this tool to visualize your debt journey.
Last verified May 2026
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