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. 1,10,846.24

Total repaid
Rs. 2,66,03,097
Total interest
Rs. 1,42,83,097
Time to repay
20.0 years

Where your money goes

  • Loan amount (principal): Rs. 1,23,20,000 (46%)
  • Interest: Rs. 1,42,83,097 (54%)
What you'd still owe, year by year
01 Cr2 Cr3 Cr05101520
Show as table
YearStill to pay (with interest)Loan balance
0Rs. 2,66,03,097Rs. 1,23,20,000
1Rs. 2,52,72,942Rs. 1,20,89,282
2Rs. 2,39,42,787Rs. 1,18,36,921
3Rs. 2,26,12,633Rs. 1,15,60,887
4Rs. 2,12,82,478Rs. 1,12,58,959
5Rs. 1,99,52,323Rs. 1,09,28,708
6Rs. 1,86,22,168Rs. 1,05,67,478
7Rs. 1,72,92,013Rs. 1,01,72,361
8Rs. 1,59,61,858Rs. 97,40,180
9Rs. 1,46,31,703Rs. 92,67,457
10Rs. 1,33,01,549Rs. 87,50,390
11Rs. 1,19,71,394Rs. 81,84,818
12Rs. 1,06,41,239Rs. 75,66,191
13Rs. 93,11,084Rs. 68,89,533
14Rs. 79,80,929Rs. 61,49,400
15Rs. 66,50,774Rs. 53,39,837
16Rs. 53,20,619Rs. 44,54,332
17Rs. 39,90,465Rs. 34,85,760
18Rs. 26,60,310Rs. 24,26,330
19Rs. 13,30,155Rs. 12,67,517
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. 2,30,718Rs. 10,99,437Rs. 1,20,89,282
2Rs. 2,52,361Rs. 10,77,794Rs. 1,18,36,921
3Rs. 2,76,034Rs. 10,54,121Rs. 1,15,60,887
4Rs. 3,01,928Rs. 10,28,227Rs. 1,12,58,959
5Rs. 3,30,251Rs. 9,99,904Rs. 1,09,28,708
6Rs. 3,61,231Rs. 9,68,924Rs. 1,05,67,478
7Rs. 3,95,117Rs. 9,35,038Rs. 1,01,72,361
8Rs. 4,32,181Rs. 8,97,974Rs. 97,40,180
9Rs. 4,72,723Rs. 8,57,432Rs. 92,67,457
10Rs. 5,17,067Rs. 8,13,087Rs. 87,50,390
11Rs. 5,65,572Rs. 7,64,583Rs. 81,84,818
12Rs. 6,18,627Rs. 7,11,528Rs. 75,66,191
13Rs. 6,76,658Rs. 6,53,497Rs. 68,89,533
14Rs. 7,40,133Rs. 5,90,022Rs. 61,49,400
15Rs. 8,09,563Rs. 5,20,592Rs. 53,39,837
16Rs. 8,85,505Rs. 4,44,650Rs. 44,54,332
17Rs. 9,68,572Rs. 3,61,583Rs. 34,85,760
18Rs. 10,59,431Rs. 2,70,724Rs. 24,26,330
19Rs. 11,58,812Rs. 1,71,342Rs. 12,67,517
20Rs. 12,67,517Rs. 62,638Rs. 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