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Home loan EMI calculator

Work out your home loan EMI, how much of it goes to interest, and how the loan pays down year by year. Add an extra payment to see how much sooner you'd be done.

Loan details

Use your bank's current base rate plus premium.

Estimated monthly EMI (principal & interest)

Rs. 89,972.60

Total repaid
Rs. 2,15,93,423
Total interest
Rs. 1,15,93,423
Time to repay
20.0 years

Where your money goes

  • Loan amount (principal): Rs. 1,00,00,000 (46%)
  • Interest: Rs. 1,15,93,423 (54%)
What you'd still owe, year by year
01 Cr2 Cr3 Cr05101520
Show as table
YearStill to pay (with interest)Loan balance
0Rs. 2,15,93,423Rs. 1,00,00,000
1Rs. 2,05,13,752Rs. 98,12,729
2Rs. 1,94,34,081Rs. 96,07,891
3Rs. 1,83,54,410Rs. 93,83,837
4Rs. 1,72,74,738Rs. 91,38,766
5Rs. 1,61,95,067Rs. 88,70,705
6Rs. 1,51,15,396Rs. 85,77,498
7Rs. 1,40,35,725Rs. 82,56,787
8Rs. 1,29,56,054Rs. 79,05,990
9Rs. 1,18,76,383Rs. 75,22,287
10Rs. 1,07,96,711Rs. 71,02,589
11Rs. 97,17,040Rs. 66,43,521
12Rs. 86,37,369Rs. 61,41,389
13Rs. 75,57,698Rs. 55,92,154
14Rs. 64,78,027Rs. 49,91,396
15Rs. 53,98,356Rs. 43,34,283
16Rs. 43,18,685Rs. 36,15,529
17Rs. 32,39,013Rs. 28,29,351
18Rs. 21,59,342Rs. 19,69,423
19Rs. 10,79,671Rs. 10,28,829
20Rs. 0Rs. 0

Repayment schedule

What you pay each year and the loan balance at the end of it.

YearPrincipal paidInterest paidBalance at year end
1Rs. 1,87,271Rs. 8,92,400Rs. 98,12,729
2Rs. 2,04,838Rs. 8,74,833Rs. 96,07,891
3Rs. 2,24,054Rs. 8,55,618Rs. 93,83,837
4Rs. 2,45,071Rs. 8,34,600Rs. 91,38,766
5Rs. 2,68,061Rs. 8,11,610Rs. 88,70,705
6Rs. 2,93,207Rs. 7,86,464Rs. 85,77,498
7Rs. 3,20,712Rs. 7,58,960Rs. 82,56,787
8Rs. 3,50,796Rs. 7,28,875Rs. 79,05,990
9Rs. 3,83,704Rs. 6,95,968Rs. 75,22,287
10Rs. 4,19,698Rs. 6,59,974Rs. 71,02,589
11Rs. 4,59,068Rs. 6,20,603Rs. 66,43,521
12Rs. 5,02,132Rs. 5,77,539Rs. 61,41,389
13Rs. 5,49,235Rs. 5,30,436Rs. 55,92,154
14Rs. 6,00,757Rs. 4,78,914Rs. 49,91,396
15Rs. 6,57,113Rs. 4,22,559Rs. 43,34,283
16Rs. 7,18,754Rs. 3,60,917Rs. 36,15,529
17Rs. 7,86,178Rs. 2,93,493Rs. 28,29,351
18Rs. 8,59,927Rs. 2,19,744Rs. 19,69,423
19Rs. 9,40,595Rs. 1,39,077Rs. 10,28,829
20Rs. 10,28,829Rs. 50,842Rs. 0
Work out your upfront buying costsCompare with renting

This is an estimate only, assuming a constant interest rate and no fees. Bank rates change with each bank's base rate, so the default rate is just a starting point, not a quoted rate. Not financial advice or a loan offer; check with your bank.

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