Home Loan Tenure Calculator
Find out how long it will take to repay your home loan given your loan amount, interest rate, and a fixed EMI.
- Free to use
- No registration required
- Works on all devices
- Last updated
- 13-09-2026
Enter your loan amount, interest rate, and EMI to find out how long it will take to repay the loan.
₹
%
₹
Your result
175 months
Tenure
Total interest paid₹22,50,000
AI explanation
Formula
n = −log(1 − P×r/EMI) / log(1+r), where r is the monthly rateWorked example
₹30L loan, 8.5%, ₹30,000 EMI
| Field | Value |
|---|---|
| Loan amount | ₹30,00,000 |
| Interest rate | 8.5 |
| Monthly EMI | ₹30,000 |
| Tenure | 175 |
| Total interest paid | ₹22,50,000 |
Assumptions
- Assumes the EMI stays fixed for the full repayment period.
Frequently asked questions
How is loan tenure calculated from a fixed EMI?
Using the standard EMI-annuity formula solved for the number of periods, given the principal, rate, and EMI amount you specify.
What if my EMI barely covers the interest?
If the EMI doesn't exceed the first month's interest charge, the loan balance would never reduce — this calculator requires an EMI large enough for the loan to actually amortize.
How can I use this to plan a shorter loan?
Increase the EMI value and see how much shorter the tenure becomes — see also the Home Loan Prepayment Calculator for the effect of extra payments on top of a fixed EMI.
Related calculators
Sources
- Master Direction – Reserve Bank of India (Regulatory Framework for Housing Finance Companies) — Reserve Bank of India. Effective 17-02-2021, checked 13-09-2026.
This calculator provides a general estimate only and does not constitute financial advice.
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