GharCalc
Free home-loan calculators for buyers in India.
The problem
Home-loan maths and subsidy rules are hard to check before you sign.
What we built
- EMI, eligibility, affordability, prepayment and balance transfer calculators in one place, with a full repayment schedule.
- A PMAY-Urban 2.0 calculator that estimates the interest subsidy.
- A table of indicative bank rates, and results you can export or share on WhatsApp.
Where it is now
Live at loan.appynox.com.
Built with
Astro, TypeScript
About GharCalc
GharCalc is a free set of home loan calculators for people buying a home in India. It runs in the browser and needs no sign-up.
The home loan EMI calculator works out the monthly EMI, total interest and effective rate, with a full repayment schedule and charts. You can export the schedule as a CSV file or share the result on WhatsApp. Separate pages check home loan eligibility from income and existing EMIs, test affordability with the 28/36 rule, and show how much interest a prepayment saves.
A balance transfer calculator finds the saving and the break-even point of moving a loan to another bank, and the PMAY subsidy calculator estimates the interest subsidy under PMAY-Urban 2.0. A table of home loan rates lists indicative rates from seven Indian banks.
We built GharCalc as a fast static site with Astro and launched it in mid-2026. It is not affiliated with any bank or government body.
