Skip to content
Sign in

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. 1,08,956.81

Total repaid
Rs. 2,61,49,635
Total interest
Rs. 1,40,39,635
Time to repay
20.0 years

Where your money goes

  • Loan amount (principal): Rs. 1,21,10,000 (46%)
  • Interest: Rs. 1,40,39,635 (54%)
What you'd still owe, year by year
01 Cr2 Cr3 Cr05101520
Show as table
YearStill to pay (with interest)Loan balance
0Rs. 2,61,49,635Rs. 1,21,10,000
1Rs. 2,48,42,153Rs. 1,18,83,215
2Rs. 2,35,34,672Rs. 1,16,35,156
3Rs. 2,22,27,190Rs. 1,13,63,827
4Rs. 2,09,19,708Rs. 1,10,67,045
5Rs. 1,96,12,226Rs. 1,07,42,424
6Rs. 1,83,04,745Rs. 1,03,87,350
7Rs. 1,69,97,263Rs. 99,98,969
8Rs. 1,56,89,781Rs. 95,74,154
9Rs. 1,43,82,299Rs. 91,09,489
10Rs. 1,30,74,818Rs. 86,01,235
11Rs. 1,17,67,336Rs. 80,45,304
12Rs. 1,04,59,854Rs. 74,37,222
13Rs. 91,52,372Rs. 67,72,098
14Rs. 78,44,891Rs. 60,44,581
15Rs. 65,37,409Rs. 52,48,817
16Rs. 52,29,927Rs. 43,78,406
17Rs. 39,22,445Rs. 34,26,344
18Rs. 26,14,964Rs. 23,84,972
19Rs. 13,07,482Rs. 12,45,912
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. 2,26,785Rs. 10,80,697Rs. 1,18,83,215
2Rs. 2,48,059Rs. 10,59,423Rs. 1,16,35,156
3Rs. 2,71,329Rs. 10,36,153Rs. 1,13,63,827
4Rs. 2,96,781Rs. 10,10,700Rs. 1,10,67,045
5Rs. 3,24,622Rs. 9,82,860Rs. 1,07,42,424
6Rs. 3,55,073Rs. 9,52,408Rs. 1,03,87,350
7Rs. 3,88,382Rs. 9,19,100Rs. 99,98,969
8Rs. 4,24,815Rs. 8,82,667Rs. 95,74,154
9Rs. 4,64,665Rs. 8,42,817Rs. 91,09,489
10Rs. 5,08,254Rs. 7,99,228Rs. 86,01,235
11Rs. 5,55,932Rs. 7,51,550Rs. 80,45,304
12Rs. 6,08,082Rs. 6,99,400Rs. 74,37,222
13Rs. 6,65,124Rs. 6,42,358Rs. 67,72,098
14Rs. 7,27,517Rs. 5,79,965Rs. 60,44,581
15Rs. 7,95,763Rs. 5,11,718Rs. 52,48,817
16Rs. 8,70,411Rs. 4,37,070Rs. 43,78,406
17Rs. 9,52,062Rs. 3,55,420Rs. 34,26,344
18Rs. 10,41,372Rs. 2,66,110Rs. 23,84,972
19Rs. 11,39,060Rs. 1,68,422Rs. 12,45,912
20Rs. 12,45,912Rs. 61,570Rs. 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.

More calculators