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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. 1,02,028.92

Total repaid
Rs. 2,44,86,942
Total interest
Rs. 1,31,46,942
Time to repay
20.0 years

Where your money goes

  • Loan amount (principal): Rs. 1,13,40,000 (46%)
  • Interest: Rs. 1,31,46,942 (54%)
What you'd still owe, year by year
01 Cr2 Cr3 Cr05101520
Show as table
YearStill to pay (with interest)Loan balance
0Rs. 2,44,86,942Rs. 1,13,40,000
1Rs. 2,32,62,595Rs. 1,11,27,635
2Rs. 2,20,38,247Rs. 1,08,95,348
3Rs. 2,08,13,900Rs. 1,06,41,271
4Rs. 1,95,89,553Rs. 1,03,63,360
5Rs. 1,83,65,206Rs. 1,00,59,379
6Rs. 1,71,40,859Rs. 97,26,883
7Rs. 1,59,16,512Rs. 93,63,196
8Rs. 1,46,92,165Rs. 89,65,393
9Rs. 1,34,67,818Rs. 85,30,273
10Rs. 1,22,43,471Rs. 80,54,336
11Rs. 1,10,19,124Rs. 75,33,753
12Rs. 97,94,777Rs. 69,64,335
13Rs. 85,70,430Rs. 63,41,502
14Rs. 73,46,082Rs. 56,60,243
15Rs. 61,21,735Rs. 49,15,077
16Rs. 48,97,388Rs. 41,00,010
17Rs. 36,73,041Rs. 32,08,484
18Rs. 24,48,694Rs. 22,33,326
19Rs. 12,24,347Rs. 11,66,692
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. 2,12,365Rs. 10,11,982Rs. 1,11,27,635
2Rs. 2,32,287Rs. 9,92,060Rs. 1,08,95,348
3Rs. 2,54,077Rs. 9,70,270Rs. 1,06,41,271
4Rs. 2,77,911Rs. 9,46,436Rs. 1,03,63,360
5Rs. 3,03,981Rs. 9,20,366Rs. 1,00,59,379
6Rs. 3,32,496Rs. 8,91,851Rs. 97,26,883
7Rs. 3,63,687Rs. 8,60,660Rs. 93,63,196
8Rs. 3,97,803Rs. 8,26,544Rs. 89,65,393
9Rs. 4,35,120Rs. 7,89,227Rs. 85,30,273
10Rs. 4,75,937Rs. 7,48,410Rs. 80,54,336
11Rs. 5,20,583Rs. 7,03,764Rs. 75,33,753
12Rs. 5,69,418Rs. 6,54,929Rs. 69,64,335
13Rs. 6,22,833Rs. 6,01,514Rs. 63,41,502
14Rs. 6,81,259Rs. 5,43,088Rs. 56,60,243
15Rs. 7,45,166Rs. 4,79,181Rs. 49,15,077
16Rs. 8,15,067Rs. 4,09,280Rs. 41,00,010
17Rs. 8,91,526Rs. 3,32,821Rs. 32,08,484
18Rs. 9,75,158Rs. 2,49,189Rs. 22,33,326
19Rs. 10,66,634Rs. 1,57,713Rs. 11,66,692
20Rs. 11,66,692Rs. 57,655Rs. 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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