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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. 1,13,365.47

Total repaid
Rs. 2,72,07,713
Total interest
Rs. 1,46,07,713
Time to repay
20.0 years

Where your money goes

  • Loan amount (principal): Rs. 1,26,00,000 (46%)
  • Interest: Rs. 1,46,07,713 (54%)
What you'd still owe, year by year
01 Cr2 Cr3 Cr05101520
Show as table
YearStill to pay (with interest)Loan balance
0Rs. 2,72,07,713Rs. 1,26,00,000
1Rs. 2,58,47,327Rs. 1,23,64,039
2Rs. 2,44,86,942Rs. 1,21,05,942
3Rs. 2,31,26,556Rs. 1,18,23,635
4Rs. 2,17,66,170Rs. 1,15,14,845
5Rs. 2,04,05,785Rs. 1,11,77,088
6Rs. 1,90,45,399Rs. 1,08,07,648
7Rs. 1,76,85,013Rs. 1,04,03,551
8Rs. 1,63,24,628Rs. 99,61,548
9Rs. 1,49,64,242Rs. 94,78,081
10Rs. 1,36,03,856Rs. 89,49,262
11Rs. 1,22,43,471Rs. 83,70,836
12Rs. 1,08,83,085Rs. 77,38,150
13Rs. 95,22,700Rs. 70,46,113
14Rs. 81,62,314Rs. 62,89,159
15Rs. 68,01,928Rs. 54,61,197
16Rs. 54,41,543Rs. 45,55,567
17Rs. 40,81,157Rs. 35,64,982
18Rs. 27,20,771Rs. 24,81,473
19Rs. 13,60,386Rs. 12,96,324
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. 2,35,962Rs. 11,24,424Rs. 1,23,64,039
2Rs. 2,58,096Rs. 11,02,289Rs. 1,21,05,942
3Rs. 2,82,308Rs. 10,78,078Rs. 1,18,23,635
4Rs. 3,08,790Rs. 10,51,596Rs. 1,15,14,845
5Rs. 3,37,757Rs. 10,22,629Rs. 1,11,77,088
6Rs. 3,69,440Rs. 9,90,945Rs. 1,08,07,648
7Rs. 4,04,097Rs. 9,56,289Rs. 1,04,03,551
8Rs. 4,42,004Rs. 9,18,382Rs. 99,61,548
9Rs. 4,83,467Rs. 8,76,919Rs. 94,78,081
10Rs. 5,28,819Rs. 8,31,567Rs. 89,49,262
11Rs. 5,78,426Rs. 7,81,960Rs. 83,70,836
12Rs. 6,32,686Rs. 7,27,699Rs. 77,38,150
13Rs. 6,92,037Rs. 6,68,349Rs. 70,46,113
14Rs. 7,56,954Rs. 6,03,431Rs. 62,89,159
15Rs. 8,27,962Rs. 5,32,424Rs. 54,61,197
16Rs. 9,05,630Rs. 4,54,755Rs. 45,55,567
17Rs. 9,90,585Rs. 3,69,801Rs. 35,64,982
18Rs. 10,83,509Rs. 2,76,877Rs. 24,81,473
19Rs. 11,85,149Rs. 1,75,237Rs. 12,96,324
20Rs. 12,96,324Rs. 64,061Rs. 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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