Buying a home is one of the biggest financial decisions you’ll ever make, and planning your monthly payments is the first step toward peace of mind. With a mortgage calculator, you can quickly estimate your EMI, interest costs, and total repayment — all before signing on the dotted line.
Just enter your loan amount, interest rate, and tenure to see how much you’ll pay each month. If you’re comparing different options, pair the tool with an amortization calculator to understand how much of each payment goes toward interest versus the principal.
Looking at other loan types? The same approach works with the car loan calculator and auto loan calculator, helping you make smart financial choices across the board. For quick math checks, the basic calculator is always handy too.
By planning ahead with the right tools, you can approach your home loan with clarity, accuracy, and confidence. Explore more at aio-calculator.com — your all-in-one hub for finance, health, math, and daily life calculators.
Estimate your monthly payments and total loan cost
A mortgage isn’t just about the property price — interest rates, loan tenure, and fees can significantly affect your total cost. Our Mortgage Calculator helps you:
Understand how much you’ll pay each month.
Compare different mortgage terms.
Adjust down payment to lower your EMI.
Plan for property taxes and insurance (if applicable).
Enter Home Price – The total cost of the property.
Enter Down Payment – The amount you plan to pay upfront.
Enter Loan Term – The repayment period in years or months.
Enter Interest Rate – The annual rate offered by your lender.
Click Calculate – Get your EMI, total interest, and total repayment instantly.
Make a bigger down payment – Reduces your loan amount.
Choose a shorter term – Less interest over time.
Compare lenders – Small rate changes make a big difference.
Consider refinancing – If rates drop, you can lower your EMI.
Where:
P = Loan amount (home price − down payment)
R = Monthly interest rate (annual rate ÷ 12 ÷ 100)
N = Loan term in months
Yes, you can use it for all mortgage types.
No, but you can manually add those to your monthly budget.
For fixed-rate mortgages, yes. Adjustable rates may vary.
With our free Mortgage Calculator, you can see the real cost of your home loan before committing. Compare terms, adjust payments, and make the smartest decision for your future home.