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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. 98,250.07

Total repaid
Rs. 2,35,80,018
Total interest
Rs. 1,26,60,018
Time to repay
20.0 years

Where your money goes

  • Loan amount (principal): Rs. 1,09,20,000 (46%)
  • Interest: Rs. 1,26,60,018 (54%)
What you'd still owe, year by year
01 Cr2 Cr3 Cr05101520
Show as table
YearStill to pay (with interest)Loan balance
0Rs. 2,35,80,018Rs. 1,09,20,000
1Rs. 2,24,01,017Rs. 1,07,15,500
2Rs. 2,12,22,016Rs. 1,04,91,817
3Rs. 2,00,43,015Rs. 1,02,47,150
4Rs. 1,88,64,014Rs. 99,79,532
5Rs. 1,76,85,013Rs. 96,86,810
6Rs. 1,65,06,012Rs. 93,66,628
7Rs. 1,53,27,012Rs. 90,16,411
8Rs. 1,41,48,011Rs. 86,33,341
9Rs. 1,29,69,010Rs. 82,14,337
10Rs. 1,17,90,009Rs. 77,56,027
11Rs. 1,06,11,008Rs. 72,54,725
12Rs. 94,32,007Rs. 67,06,397
13Rs. 82,53,006Rs. 61,06,632
14Rs. 70,74,005Rs. 54,50,605
15Rs. 58,95,004Rs. 47,33,038
16Rs. 47,16,004Rs. 39,48,158
17Rs. 35,37,003Rs. 30,89,651
18Rs. 23,58,002Rs. 21,50,610
19Rs. 11,79,001Rs. 11,23,481
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. 2,04,500Rs. 9,74,501Rs. 1,07,15,500
2Rs. 2,23,683Rs. 9,55,317Rs. 1,04,91,817
3Rs. 2,44,667Rs. 9,34,334Rs. 1,02,47,150
4Rs. 2,67,618Rs. 9,11,383Rs. 99,79,532
5Rs. 2,92,722Rs. 8,86,279Rs. 96,86,810
6Rs. 3,20,182Rs. 8,58,819Rs. 93,66,628
7Rs. 3,50,217Rs. 8,28,784Rs. 90,16,411
8Rs. 3,83,070Rs. 7,95,931Rs. 86,33,341
9Rs. 4,19,004Rs. 7,59,997Rs. 82,14,337
10Rs. 4,58,310Rs. 7,20,691Rs. 77,56,027
11Rs. 5,01,302Rs. 6,77,698Rs. 72,54,725
12Rs. 5,48,328Rs. 6,30,673Rs. 67,06,397
13Rs. 5,99,765Rs. 5,79,236Rs. 61,06,632
14Rs. 6,56,027Rs. 5,22,974Rs. 54,50,605
15Rs. 7,17,567Rs. 4,61,434Rs. 47,33,038
16Rs. 7,84,880Rs. 3,94,121Rs. 39,48,158
17Rs. 8,58,507Rs. 3,20,494Rs. 30,89,651
18Rs. 9,39,041Rs. 2,39,960Rs. 21,50,610
19Rs. 10,27,129Rs. 1,51,872Rs. 11,23,481
20Rs. 11,23,481Rs. 55,520Rs. 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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