Tools
Home Loan Calculator
Work out your EMI, loan eligibility and the tax benefit on your home loan.
Inputs
Monthly EMI
₹34,713
Loan amount
₹40,00,000
Annual tax benefit
₹82,967
Likely eligible — your EMI is within the typical income limit.
Max EMI lenders usually allow at this income: ₹75,000 • Indicative max loan: ₹86,42,313
| Loan amount | ₹40,00,000 |
| Monthly EMI | ₹34,713 |
| Total interest | ₹43,31,103 |
| Total payable | ₹83,31,103 |
| Annual tax benefit | ₹82,967 |
Eligibility uses a 50% income-to-EMI guide; lenders vary. Tax benefit assumes up to 2,00,000 interest (Sec 24b) and 1,50,000 principal (80C) in year one. Indicative only — consult your CA.
Buying a home and planning the tax side?
We help you claim home-loan deductions and structure your finances tax-efficiently.