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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. 1,00,769.31

Total repaid
Rs. 2,41,84,634
Total interest
Rs. 1,29,84,634
Time to repay
20.0 years

Where your money goes

  • Loan amount (principal): Rs. 1,12,00,000 (46%)
  • Interest: Rs. 1,29,84,634 (54%)
What you'd still owe, year by year
01 Cr2 Cr3 Cr05101520
Show as table
YearStill to pay (with interest)Loan balance
0Rs. 2,41,84,634Rs. 1,12,00,000
1Rs. 2,29,75,402Rs. 1,09,90,256
2Rs. 2,17,66,170Rs. 1,07,60,838
3Rs. 2,05,56,939Rs. 1,05,09,897
4Rs. 1,93,47,707Rs. 1,02,35,418
5Rs. 1,81,38,475Rs. 99,35,189
6Rs. 1,69,29,244Rs. 96,06,798
7Rs. 1,57,20,012Rs. 92,47,601
8Rs. 1,45,10,780Rs. 88,54,709
9Rs. 1,33,01,549Rs. 84,24,961
10Rs. 1,20,92,317Rs. 79,54,900
11Rs. 1,08,83,085Rs. 74,40,743
12Rs. 96,73,853Rs. 68,78,356
13Rs. 84,64,622Rs. 62,63,212
14Rs. 72,55,390Rs. 55,90,364
15Rs. 60,46,158Rs. 48,54,397
16Rs. 48,36,927Rs. 40,49,393
17Rs. 36,27,695Rs. 31,68,873
18Rs. 24,18,463Rs. 22,05,754
19Rs. 12,09,232Rs. 11,52,288
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. 2,09,744Rs. 9,99,488Rs. 1,09,90,256
2Rs. 2,29,419Rs. 9,79,813Rs. 1,07,60,838
3Rs. 2,50,940Rs. 9,58,292Rs. 1,05,09,897
4Rs. 2,74,480Rs. 9,34,752Rs. 1,02,35,418
5Rs. 3,00,228Rs. 9,09,004Rs. 99,35,189
6Rs. 3,28,392Rs. 8,80,840Rs. 96,06,798
7Rs. 3,59,197Rs. 8,50,035Rs. 92,47,601
8Rs. 3,92,892Rs. 8,16,340Rs. 88,54,709
9Rs. 4,29,748Rs. 7,79,484Rs. 84,24,961
10Rs. 4,70,061Rs. 7,39,170Rs. 79,54,900
11Rs. 5,14,156Rs. 6,95,075Rs. 74,40,743
12Rs. 5,62,388Rs. 6,46,844Rs. 68,78,356
13Rs. 6,15,144Rs. 5,94,088Rs. 62,63,212
14Rs. 6,72,848Rs. 5,36,383Rs. 55,90,364
15Rs. 7,35,966Rs. 4,73,266Rs. 48,54,397
16Rs. 8,05,005Rs. 4,04,227Rs. 40,49,393
17Rs. 8,80,520Rs. 3,28,712Rs. 31,68,873
18Rs. 9,63,119Rs. 2,46,113Rs. 22,05,754
19Rs. 10,53,466Rs. 1,55,766Rs. 11,52,288
20Rs. 11,52,288Rs. 56,943Rs. 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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