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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. 1,03,288.54

Total repaid
Rs. 2,47,89,250
Total interest
Rs. 1,33,09,250
Time to repay
20.0 years

Where your money goes

  • Loan amount (principal): Rs. 1,14,80,000 (46%)
  • Interest: Rs. 1,33,09,250 (54%)
What you'd still owe, year by year
01 Cr2 Cr3 Cr05101520
Show as table
YearStill to pay (with interest)Loan balance
0Rs. 2,47,89,250Rs. 1,14,80,000
1Rs. 2,35,49,787Rs. 1,12,65,013
2Rs. 2,23,10,325Rs. 1,10,29,858
3Rs. 2,10,70,862Rs. 1,07,72,645
4Rs. 1,98,31,400Rs. 1,04,91,303
5Rs. 1,85,91,937Rs. 1,01,83,569
6Rs. 1,73,52,475Rs. 98,46,968
7Rs. 1,61,13,012Rs. 94,78,791
8Rs. 1,48,73,550Rs. 90,76,077
9Rs. 1,36,34,087Rs. 86,35,585
10Rs. 1,23,94,625Rs. 81,53,772
11Rs. 1,11,55,162Rs. 76,26,762
12Rs. 99,15,700Rs. 70,50,314
13Rs. 86,76,237Rs. 64,19,792
14Rs. 74,36,775Rs. 57,30,123
15Rs. 61,97,312Rs. 49,75,757
16Rs. 49,57,850Rs. 41,50,627
17Rs. 37,18,387Rs. 32,48,095
18Rs. 24,78,925Rs. 22,60,898
19Rs. 12,39,462Rs. 11,81,095
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. 2,14,987Rs. 10,24,475Rs. 1,12,65,013
2Rs. 2,35,154Rs. 10,04,308Rs. 1,10,29,858
3Rs. 2,57,214Rs. 9,82,249Rs. 1,07,72,645
4Rs. 2,81,342Rs. 9,58,121Rs. 1,04,91,303
5Rs. 3,07,734Rs. 9,31,729Rs. 1,01,83,569
6Rs. 3,36,601Rs. 9,02,861Rs. 98,46,968
7Rs. 3,68,177Rs. 8,71,286Rs. 94,78,791
8Rs. 4,02,714Rs. 8,36,748Rs. 90,76,077
9Rs. 4,40,492Rs. 7,98,971Rs. 86,35,585
10Rs. 4,81,813Rs. 7,57,650Rs. 81,53,772
11Rs. 5,27,010Rs. 7,12,452Rs. 76,26,762
12Rs. 5,76,447Rs. 6,63,015Rs. 70,50,314
13Rs. 6,30,522Rs. 6,08,940Rs. 64,19,792
14Rs. 6,89,670Rs. 5,49,793Rs. 57,30,123
15Rs. 7,54,365Rs. 4,85,097Rs. 49,75,757
16Rs. 8,25,130Rs. 4,14,333Rs. 41,50,627
17Rs. 9,02,533Rs. 3,36,930Rs. 32,48,095
18Rs. 9,87,197Rs. 2,52,266Rs. 22,60,898
19Rs. 10,79,803Rs. 1,59,660Rs. 11,81,095
20Rs. 11,81,095Rs. 58,367Rs. 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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