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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. 91,187.23

Total repaid
Rs. 2,18,84,934
Total interest
Rs. 1,17,49,934
Time to repay
20.0 years

Where your money goes

  • Loan amount (principal): Rs. 1,01,35,000 (46%)
  • Interest: Rs. 1,17,49,934 (54%)
What you'd still owe, year by year
01 Cr2 Cr3 Cr05101520
Show as table
YearStill to pay (with interest)Loan balance
0Rs. 2,18,84,934Rs. 1,01,35,000
1Rs. 2,07,90,687Rs. 99,45,201
2Rs. 1,96,96,441Rs. 97,37,597
3Rs. 1,86,02,194Rs. 95,10,519
4Rs. 1,75,07,947Rs. 92,62,139
5Rs. 1,64,13,701Rs. 89,90,459
6Rs. 1,53,19,454Rs. 86,93,294
7Rs. 1,42,25,207Rs. 83,68,253
8Rs. 1,31,30,961Rs. 80,12,721
9Rs. 1,20,36,714Rs. 76,23,838
10Rs. 1,09,42,467Rs. 71,98,474
11Rs. 98,48,220Rs. 67,33,208
12Rs. 87,53,974Rs. 62,24,298
13Rs. 76,59,727Rs. 56,67,648
14Rs. 65,65,480Rs. 50,58,780
15Rs. 54,71,234Rs. 43,92,796
16Rs. 43,76,987Rs. 36,64,339
17Rs. 32,82,740Rs. 28,67,547
18Rs. 21,88,493Rs. 19,96,011
19Rs. 10,94,247Rs. 10,42,718
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. 1,89,799Rs. 9,04,448Rs. 99,45,201
2Rs. 2,07,604Rs. 8,86,643Rs. 97,37,597
3Rs. 2,27,078Rs. 8,67,168Rs. 95,10,519
4Rs. 2,48,380Rs. 8,45,867Rs. 92,62,139
5Rs. 2,71,680Rs. 8,22,567Rs. 89,90,459
6Rs. 2,97,165Rs. 7,97,082Rs. 86,93,294
7Rs. 3,25,041Rs. 7,69,206Rs. 83,68,253
8Rs. 3,55,532Rs. 7,38,714Rs. 80,12,721
9Rs. 3,88,884Rs. 7,05,363Rs. 76,23,838
10Rs. 4,25,364Rs. 6,68,883Rs. 71,98,474
11Rs. 4,65,266Rs. 6,28,981Rs. 67,33,208
12Rs. 5,08,911Rs. 5,85,336Rs. 62,24,298
13Rs. 5,56,650Rs. 5,37,597Rs. 56,67,648
14Rs. 6,08,868Rs. 4,85,379Rs. 50,58,780
15Rs. 6,65,984Rs. 4,28,263Rs. 43,92,796
16Rs. 7,28,458Rs. 3,65,789Rs. 36,64,339
17Rs. 7,96,792Rs. 2,97,455Rs. 28,67,547
18Rs. 8,71,536Rs. 2,22,710Rs. 19,96,011
19Rs. 9,53,293Rs. 1,40,954Rs. 10,42,718
20Rs. 10,42,718Rs. 51,529Rs. 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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