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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. 1,06,437.58

Total repaid
Rs. 2,55,45,019
Total interest
Rs. 1,37,15,019
Time to repay
20.0 years

Where your money goes

  • Loan amount (principal): Rs. 1,18,30,000 (46%)
  • Interest: Rs. 1,37,15,019 (54%)
What you'd still owe, year by year
01 Cr2 Cr3 Cr05101520
Show as table
YearStill to pay (with interest)Loan balance
0Rs. 2,55,45,019Rs. 1,18,30,000
1Rs. 2,42,67,768Rs. 1,16,08,458
2Rs. 2,29,90,517Rs. 1,13,66,135
3Rs. 2,17,13,266Rs. 1,11,01,079
4Rs. 2,04,36,015Rs. 1,08,11,160
5Rs. 1,91,58,765Rs. 1,04,94,044
6Rs. 1,78,81,514Rs. 1,01,47,180
7Rs. 1,66,04,263Rs. 97,67,779
8Rs. 1,53,27,012Rs. 93,52,786
9Rs. 1,40,49,761Rs. 88,98,865
10Rs. 1,27,72,510Rs. 84,02,363
11Rs. 1,14,95,259Rs. 78,59,285
12Rs. 1,02,18,008Rs. 72,65,263
13Rs. 89,40,757Rs. 66,15,518
14Rs. 76,63,506Rs. 59,04,822
15Rs. 63,86,255Rs. 51,27,457
16Rs. 51,09,004Rs. 42,77,171
17Rs. 38,31,753Rs. 33,47,122
18Rs. 25,54,502Rs. 23,29,828
19Rs. 12,77,251Rs. 12,17,104
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. 2,21,542Rs. 10,55,709Rs. 1,16,08,458
2Rs. 2,42,324Rs. 10,34,927Rs. 1,13,66,135
3Rs. 2,65,055Rs. 10,12,196Rs. 1,11,01,079
4Rs. 2,89,919Rs. 9,87,332Rs. 1,08,11,160
5Rs. 3,17,116Rs. 9,60,135Rs. 1,04,94,044
6Rs. 3,46,864Rs. 9,30,387Rs. 1,01,47,180
7Rs. 3,79,402Rs. 8,97,849Rs. 97,67,779
8Rs. 4,14,992Rs. 8,62,259Rs. 93,52,786
9Rs. 4,53,921Rs. 8,23,330Rs. 88,98,865
10Rs. 4,96,502Rs. 7,80,749Rs. 84,02,363
11Rs. 5,43,078Rs. 7,34,173Rs. 78,59,285
12Rs. 5,94,022Rs. 6,83,229Rs. 72,65,263
13Rs. 6,49,745Rs. 6,27,506Rs. 66,15,518
14Rs. 7,10,696Rs. 5,66,555Rs. 59,04,822
15Rs. 7,77,364Rs. 4,99,887Rs. 51,27,457
16Rs. 8,50,286Rs. 4,26,965Rs. 42,77,171
17Rs. 9,30,049Rs. 3,47,202Rs. 33,47,122
18Rs. 10,17,294Rs. 2,59,957Rs. 23,29,828
19Rs. 11,12,723Rs. 1,64,528Rs. 12,17,104
20Rs. 12,17,104Rs. 60,147Rs. 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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