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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. 1,13,995.28

Total repaid
Rs. 2,73,58,867
Total interest
Rs. 1,46,88,867
Time to repay
20.0 years

Where your money goes

  • Loan amount (principal): Rs. 1,26,70,000 (46%)
  • Interest: Rs. 1,46,88,867 (54%)
What you'd still owe, year by year
01 Cr2 Cr3 Cr05101520
Show as table
YearStill to pay (with interest)Loan balance
0Rs. 2,73,58,867Rs. 1,26,70,000
1Rs. 2,59,90,924Rs. 1,24,32,728
2Rs. 2,46,22,980Rs. 1,21,73,197
3Rs. 2,32,55,037Rs. 1,18,89,322
4Rs. 2,18,87,093Rs. 1,15,78,816
5Rs. 2,05,19,150Rs. 1,12,39,183
6Rs. 1,91,51,207Rs. 1,08,67,690
7Rs. 1,77,83,263Rs. 1,04,61,349
8Rs. 1,64,15,320Rs. 1,00,16,890
9Rs. 1,50,47,377Rs. 95,30,737
10Rs. 1,36,79,433Rs. 89,98,980
11Rs. 1,23,11,490Rs. 84,17,341
12Rs. 1,09,43,547Rs. 77,81,140
13Rs. 95,75,603Rs. 70,85,259
14Rs. 82,07,660Rs. 63,24,099
15Rs. 68,39,717Rs. 54,91,537
16Rs. 54,71,773Rs. 45,80,875
17Rs. 41,03,830Rs. 35,84,787
18Rs. 27,35,887Rs. 24,95,259
19Rs. 13,67,943Rs. 13,03,526
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. 2,37,272Rs. 11,30,671Rs. 1,24,32,728
2Rs. 2,59,530Rs. 11,08,413Rs. 1,21,73,197
3Rs. 2,83,876Rs. 10,84,067Rs. 1,18,89,322
4Rs. 3,10,505Rs. 10,57,438Rs. 1,15,78,816
5Rs. 3,39,633Rs. 10,28,310Rs. 1,12,39,183
6Rs. 3,71,493Rs. 9,96,450Rs. 1,08,67,690
7Rs. 4,06,341Rs. 9,61,602Rs. 1,04,61,349
8Rs. 4,44,459Rs. 9,23,484Rs. 1,00,16,890
9Rs. 4,86,152Rs. 8,81,791Rs. 95,30,737
10Rs. 5,31,757Rs. 8,36,186Rs. 89,98,980
11Rs. 5,81,639Rs. 7,86,304Rs. 84,17,341
12Rs. 6,36,201Rs. 7,31,742Rs. 77,81,140
13Rs. 6,95,881Rs. 6,72,062Rs. 70,85,259
14Rs. 7,61,160Rs. 6,06,784Rs. 63,24,099
15Rs. 8,32,562Rs. 5,35,382Rs. 54,91,537
16Rs. 9,10,662Rs. 4,57,282Rs. 45,80,875
17Rs. 9,96,088Rs. 3,71,855Rs. 35,84,787
18Rs. 10,89,528Rs. 2,78,415Rs. 24,95,259
19Rs. 11,91,733Rs. 1,76,210Rs. 13,03,526
20Rs. 13,03,526Rs. 64,417Rs. 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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