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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. 1,20,923.17

Total repaid
Rs. 2,90,21,560
Total interest
Rs. 1,55,81,560
Time to repay
20.0 years

Where your money goes

  • Loan amount (principal): Rs. 1,34,40,000 (46%)
  • Interest: Rs. 1,55,81,560 (54%)
What you'd still owe, year by year
01 Cr2 Cr3 Cr05101520
Show as table
YearStill to pay (with interest)Loan balance
0Rs. 2,90,21,560Rs. 1,34,40,000
1Rs. 2,75,70,482Rs. 1,31,88,308
2Rs. 2,61,19,404Rs. 1,29,13,005
3Rs. 2,46,68,326Rs. 1,26,11,877
4Rs. 2,32,17,248Rs. 1,22,82,501
5Rs. 2,17,66,170Rs. 1,19,22,227
6Rs. 2,03,15,092Rs. 1,15,28,158
7Rs. 1,88,64,014Rs. 1,10,97,121
8Rs. 1,74,12,936Rs. 1,06,25,651
9Rs. 1,59,61,858Rs. 1,01,09,953
10Rs. 1,45,10,780Rs. 95,45,880
11Rs. 1,30,59,702Rs. 89,28,892
12Rs. 1,16,08,624Rs. 82,54,027
13Rs. 1,01,57,546Rs. 75,15,854
14Rs. 87,06,468Rs. 67,08,436
15Rs. 72,55,390Rs. 58,25,277
16Rs. 58,04,312Rs. 48,59,271
17Rs. 43,53,234Rs. 38,02,647
18Rs. 29,02,156Rs. 26,46,905
19Rs. 14,51,078Rs. 13,82,746
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. 2,51,692Rs. 11,99,386Rs. 1,31,88,308
2Rs. 2,75,303Rs. 11,75,775Rs. 1,29,13,005
3Rs. 3,01,128Rs. 11,49,950Rs. 1,26,11,877
4Rs. 3,29,376Rs. 11,21,702Rs. 1,22,82,501
5Rs. 3,60,274Rs. 10,90,804Rs. 1,19,22,227
6Rs. 3,94,070Rs. 10,57,008Rs. 1,15,28,158
7Rs. 4,31,036Rs. 10,20,042Rs. 1,10,97,121
8Rs. 4,71,470Rs. 9,79,608Rs. 1,06,25,651
9Rs. 5,15,698Rs. 9,35,380Rs. 1,01,09,953
10Rs. 5,64,074Rs. 8,87,004Rs. 95,45,880
11Rs. 6,16,988Rs. 8,34,090Rs. 89,28,892
12Rs. 6,74,865Rs. 7,76,213Rs. 82,54,027
13Rs. 7,38,172Rs. 7,12,906Rs. 75,15,854
14Rs. 8,07,418Rs. 6,43,660Rs. 67,08,436
15Rs. 8,83,159Rs. 5,67,919Rs. 58,25,277
16Rs. 9,66,006Rs. 4,85,072Rs. 48,59,271
17Rs. 10,56,624Rs. 3,94,454Rs. 38,02,647
18Rs. 11,55,742Rs. 2,95,336Rs. 26,46,905
19Rs. 12,64,159Rs. 1,86,919Rs. 13,82,746
20Rs. 13,82,746Rs. 68,332Rs. 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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