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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. 96,360.65

Total repaid
Rs. 2,31,26,556
Total interest
Rs. 1,24,16,556
Time to repay
20.0 years

Where your money goes

  • Loan amount (principal): Rs. 1,07,10,000 (46%)
  • Interest: Rs. 1,24,16,556 (54%)
What you'd still owe, year by year
01 Cr2 Cr3 Cr05101520
Show as table
YearStill to pay (with interest)Loan balance
0Rs. 2,31,26,556Rs. 1,07,10,000
1Rs. 2,19,70,228Rs. 1,05,09,433
2Rs. 2,08,13,900Rs. 1,02,90,051
3Rs. 1,96,57,573Rs. 1,00,50,089
4Rs. 1,85,01,245Rs. 97,87,618
5Rs. 1,73,44,917Rs. 95,00,525
6Rs. 1,61,88,589Rs. 91,86,501
7Rs. 1,50,32,261Rs. 88,43,019
8Rs. 1,38,75,934Rs. 84,67,316
9Rs. 1,27,19,606Rs. 80,56,369
10Rs. 1,15,63,278Rs. 76,06,873
11Rs. 1,04,06,950Rs. 71,15,211
12Rs. 92,50,622Rs. 65,77,428
13Rs. 80,94,295Rs. 59,89,196
14Rs. 69,37,967Rs. 53,45,785
15Rs. 57,81,639Rs. 46,42,018
16Rs. 46,25,311Rs. 38,72,232
17Rs. 34,68,983Rs. 30,30,235
18Rs. 23,12,656Rs. 21,09,252
19Rs. 11,56,328Rs. 11,01,876
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. 2,00,567Rs. 9,55,761Rs. 1,05,09,433
2Rs. 2,19,382Rs. 9,36,946Rs. 1,02,90,051
3Rs. 2,39,961Rs. 9,16,366Rs. 1,00,50,089
4Rs. 2,62,471Rs. 8,93,856Rs. 97,87,618
5Rs. 2,87,093Rs. 8,69,235Rs. 95,00,525
6Rs. 3,14,024Rs. 8,42,303Rs. 91,86,501
7Rs. 3,43,482Rs. 8,12,846Rs. 88,43,019
8Rs. 3,75,703Rs. 7,80,625Rs. 84,67,316
9Rs. 4,10,947Rs. 7,45,381Rs. 80,56,369
10Rs. 4,49,496Rs. 7,06,832Rs. 76,06,873
11Rs. 4,91,662Rs. 6,64,666Rs. 71,15,211
12Rs. 5,37,783Rs. 6,18,545Rs. 65,77,428
13Rs. 5,88,231Rs. 5,68,097Rs. 59,89,196
14Rs. 6,43,411Rs. 5,12,917Rs. 53,45,785
15Rs. 7,03,768Rs. 4,52,560Rs. 46,42,018
16Rs. 7,69,786Rs. 3,86,542Rs. 38,72,232
17Rs. 8,41,997Rs. 3,14,331Rs. 30,30,235
18Rs. 9,20,982Rs. 2,35,346Rs. 21,09,252
19Rs. 10,07,377Rs. 1,48,951Rs. 11,01,876
20Rs. 11,01,876Rs. 54,452Rs. 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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