Free home loan and EMI calculators for India. Calculate prepayment savings, tax benefits, eligibility, and compare bank rates with unique insights.
Advanced tools to help you save lakhs on your home loan
Calculate monthly payment with daily interest burn counter
Find out how much loan you can get based on income
Find what property you can afford with your budget
See savings from extra EMI and lump sum payments
Section 80C + 24(b) deductions calculator
Evaluate if switching banks will save you money
Live rates from 15 major banks in India
Unique features that help you save lakhs
See exactly how much interest you pay every single day. On a ₹50L loan at 8.5%, you're paying ₹1,160 daily!
Why it matters: Helps you understand the urgency of prepayment
Combines Section 80C (₹1.5L), Section 24(b) (₹2L) deductions to show your real effective interest rate after tax benefits.
Why it matters: Your 8.5% loan effectively becomes 6.8% with tax savings
Shows exact savings if you prepay ₹2L yearly. See how it reduces tenure by 5-7 years and saves ₹10-15L in interest.
Why it matters: Plan your bonuses and savings strategically
Compare SBI, HDFC, ICICI and 12 more banks. A 0.5% rate difference means ₹2-3L savings over 20 years!
Why it matters: Find the best rate or know when to refinance
Shows how increasing EMI by just ₹5,000/month can save ₹8-12L in interest and cut 5-7 years from tenure.
Why it matters: Small monthly increase = huge long-term savings
Every formula shown. No hidden fees, no affiliate links, no bias.100% free and honest advice.
Why it matters: Trust the numbers and make informed decisions
Shows exact break-even period and net savings when switching banks. Know if a 0.5% lower rate justifies the switching costs.
Why it matters: Avoid costly mistakes when refinancing your loan
Explains Fixed Obligation to Income Ratio - the key metric banks use. Shows your max loan eligibility based on income.
Why it matters: Know your limits before house hunting
Shows ideal EMI-to-income ratio (<50%) to maintain healthy finances. Avoid being house-rich but cash-poor.
Why it matters: Protect your savings and emergency fund
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