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Calculators · 39 tools · combine any of them

What do you want to work out?

Buy a home

EMI on the loan, what prepaying saves, and the tax break on interest.

Change once, every card updates. Edit a 🔗 field in a card to unlink it there.

At a glance

CalculatorResult
Loan EMI · Monthly EMI₹8,678
Loan prepayment · Interest saved₹17.00 L
Income tax: old vs new · New regime costs less by₹1,05,300
Inflation · Same basket will cost₹2.92 L
Loan EMI
Monthly EMI₹8,678
Total interest₹10.83 L
Total payment₹20.83 L
Interest share51.99%
Chart & method
Year 1: Principal paid ₹19,902, Interest paid ₹84,236Year 1: Principal paid ₹19,902, Interest paid ₹84,2361Year 2: Principal paid ₹21,661, Interest paid ₹82,477Year 2: Principal paid ₹21,661, Interest paid ₹82,477Year 3: Principal paid ₹23,576, Interest paid ₹80,563Year 3: Principal paid ₹23,576, Interest paid ₹80,5633Year 4: Principal paid ₹25,660, Interest paid ₹78,479Year 4: Principal paid ₹25,660, Interest paid ₹78,479Year 5: Principal paid ₹27,928, Interest paid ₹76,211Year 5: Principal paid ₹27,928, Interest paid ₹76,2115Year 6: Principal paid ₹30,397, Interest paid ₹73,742Year 6: Principal paid ₹30,397, Interest paid ₹73,742Year 7: Principal paid ₹33,084, Interest paid ₹71,055Year 7: Principal paid ₹33,084, Interest paid ₹71,0557Year 8: Principal paid ₹36,008, Interest paid ₹68,131Year 8: Principal paid ₹36,008, Interest paid ₹68,131Year 9: Principal paid ₹39,191, Interest paid ₹64,948Year 9: Principal paid ₹39,191, Interest paid ₹64,9489Year 10: Principal paid ₹42,655, Interest paid ₹61,484Year 10: Principal paid ₹42,655, Interest paid ₹61,484Year 11: Principal paid ₹46,425, Interest paid ₹57,714Year 11: Principal paid ₹46,425, Interest paid ₹57,71411Year 12: Principal paid ₹50,529, Interest paid ₹53,610Year 12: Principal paid ₹50,529, Interest paid ₹53,610Year 13: Principal paid ₹54,995, Interest paid ₹49,144Year 13: Principal paid ₹54,995, Interest paid ₹49,14413Year 14: Principal paid ₹59,856, Interest paid ₹44,283Year 14: Principal paid ₹59,856, Interest paid ₹44,283Year 15: Principal paid ₹65,147, Interest paid ₹38,992Year 15: Principal paid ₹65,147, Interest paid ₹38,99215Year 16: Principal paid ₹70,905, Interest paid ₹33,234Year 16: Principal paid ₹70,905, Interest paid ₹33,234Year 17: Principal paid ₹77,172, Interest paid ₹26,966Year 17: Principal paid ₹77,172, Interest paid ₹26,96617Year 18: Principal paid ₹83,994, Interest paid ₹20,145Year 18: Principal paid ₹83,994, Interest paid ₹20,145Year 19: Principal paid ₹91,418, Interest paid ₹12,721Year 19: Principal paid ₹91,418, Interest paid ₹12,72119Year 20: Principal paid ₹99,498, Interest paid ₹4,640Year 20: Principal paid ₹99,498, Interest paid ₹4,640₹1.04 L
Principal paidInterest paid

EMI = P·i·(1+i)^m ÷ ((1+i)^m − 1), monthly reducing balance.

Loan prepayment
Interest saved₹17.00 L
Loan ends10y 7m instead of 20y 0m
EMI₹26,035
Interest without extra₹32.48 L
Interest with extra₹15.48 L
Income tax: old vs new
New regime costs less by₹1,05,300
New regime tax₹97,500
Old regime tax₹2,02,800
New taxable income₹14,25,000
Old taxable income₹12,75,000
Chart & method

FY2025-26 (AY2026-27) slabs, standard deduction, 87A rebate, surcharge and 4% cess, as in the full income-tax calculator. Verify on incometax.gov.in before filing.

Inflation
Same basket will cost₹2.92 L
Today's amount buys then₹34,273 of today's goods
Purchasing power lost65.73%
Chart & method

5.5% is the long-run CPI preset the full inflation calculator uses; change it to your own figure.

Calculators and illustrations, not investment advice or a guarantee. Returns and rates are your assumptions; results are ranges to plan with, not promises. Income tax uses FY2025-26 (AY2026-27) rules as summarised; check with a tax professional for your case.