Vol. 01 — Home Loan Calculator

Pay it down, on your terms.

Calculate EMI, simulate prepayments, model moratoriums, and see the full month-by-month breakdown — not just a single number.

Open Calculator →Read GuidesFree · No sign-up · Works on mobile

Everything your bank doesn't show you

Full amortization schedule

See every EMI broken down into principal and interest, month by month, for the life of the loan.

Prepayment simulation

Add lump-sum payments or extra EMIs on any date. Instantly see how much interest and time you save.

Reduce EMI vs Reduce Tenure

Compare both options side-by-side with exact numbers — not just a formula, but your actual loan.

CLP and moratorium support

Model construction-linked plans, pre-EMI periods, and full moratoriums — including how interest capitalises.

Multiple scenarios

Create multiple loan scenarios in parallel and compare them — useful for different lenders or rate scenarios.

CSV export

Download your entire amortization schedule as a CSV to share with your chartered accountant or bank.

All calculators

Home Loan Prepayment Calculator

Calculate how prepayments reduce your EMI and tenure on a home loan.

Home Loan EMI Calculator

Calculate your exact monthly EMI for any home loan amount, rate, and tenure.

Home Loan Eligibility Calculator

Find out how much home loan you are eligible for based on your income.

Home Loan Balance Transfer Calculator

Calculate savings from transferring your home loan to a lower interest rate.

Guides & articles

View all →

4 min read

Fixed vs Floating Rate Home Loan — Which Should You Choose in 2026?

Fixed rate locks your EMI but costs more upfront. Floating rate tracks RBI repo rate changes and is cheaper when rates fall. Here is how to decide based on your loan size, tenure, and rate outlook.

4 min read

How Much Should You Prepay on Your Home Loan? A Practical Framework

Deciding how much to prepay on your home loan depends on your interest rate, investment returns, tax bracket, and emergency fund. This guide gives you a clear decision framework.

2 min read

Reduce EMI vs Reduce Tenure After Prepayment — Which Saves More?

After making a lump-sum prepayment on your home loan, your bank offers two options: reduce your monthly EMI or reduce your loan tenure. This guide explains which saves more interest and when to choose each.

By City

Rates for Mumbai, Delhi, Bangalore & more

FAQ Hub

EMI, prepayment, moratorium explained

Resources

Guides, glossary, and tools

How to use the calculator

01
Enter your loan details
Type your loan amount, interest rate, and tenure.
02
Set your loan start date
Choose your disbursement date or EMI start date.
03
Add prepayment events
Add one-time lump sums or recurring extra EMIs on any future date.
04
Compare scenarios
Choose reduce-EMI or reduce-tenure and see the full amortization schedule.
05
Download your schedule
Export the month-by-month schedule as CSV.

Start calculating →

LoanClarity is a free tool with no ads, no data collection, and no sign-up required. All calculations happen in your browser. The goal is simply to give Indian home buyers numbers their bank won't.