Mortgage Calculator
Home loan payment including property tax and insurance escrow.
Your result appears here
Fill in the fields on the left and press Calculate. The answer, the breakdown and a copy button all land in this card.
How it is calculated
Monthly payment = principal & interest + (annual tax + annual insurance) ÷ 12
Loan amount = price − down payment. Principal & interest use the standard amortisation formula.
Worked example
On a ₹60,00,000 home with 20% down, the loan is ₹48,00,000. At 8.6% over 20 years that is ₹41,960 of principal and interest, plus ₹1,500 a month for tax and insurance — ₹43,460 in total.
Questions people ask
Most lenders want at least 10–20% of the property value. A bigger down payment cuts the loan amount, the interest you pay and often the interest rate offered.
Some lenders collect property tax and insurance along with the payment and pay those bills for you. This calculator shows that combined figure so you can budget the real monthly outflow.
A common guideline is keeping all loan payments under 40% of net monthly income. Lenders apply their own limits based on your obligations and credit history.