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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. 1,22,182.78

Total repaid
Rs. 2,93,23,868
Total interest
Rs. 1,57,43,868
Time to repay
20.0 years

Where your money goes

  • Loan amount (principal): Rs. 1,35,80,000 (46%)
  • Interest: Rs. 1,57,43,868 (54%)
What you'd still owe, year by year
01 Cr2 Cr3 Cr05101520
Show as table
YearStill to pay (with interest)Loan balance
0Rs. 2,93,23,868Rs. 1,35,80,000
1Rs. 2,78,57,675Rs. 1,33,25,686
2Rs. 2,63,91,482Rs. 1,30,47,515
3Rs. 2,49,25,288Rs. 1,27,43,251
4Rs. 2,34,59,095Rs. 1,24,10,444
5Rs. 2,19,92,901Rs. 1,20,46,417
6Rs. 2,05,26,708Rs. 1,16,48,243
7Rs. 1,90,60,514Rs. 1,12,12,716
8Rs. 1,75,94,321Rs. 1,07,36,335
9Rs. 1,61,28,128Rs. 1,02,15,265
10Rs. 1,46,61,934Rs. 96,45,316
11Rs. 1,31,95,741Rs. 90,21,901
12Rs. 1,17,29,547Rs. 83,40,006
13Rs. 1,02,63,354Rs. 75,94,144
14Rs. 87,97,161Rs. 67,78,316
15Rs. 73,30,967Rs. 58,85,957
16Rs. 58,64,774Rs. 49,09,889
17Rs. 43,98,580Rs. 38,42,258
18Rs. 29,32,387Rs. 26,74,477
19Rs. 14,66,193Rs. 13,97,149
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. 2,54,314Rs. 12,11,879Rs. 1,33,25,686
2Rs. 2,78,170Rs. 11,88,023Rs. 1,30,47,515
3Rs. 3,04,265Rs. 11,61,929Rs. 1,27,43,251
4Rs. 3,32,807Rs. 11,33,387Rs. 1,24,10,444
5Rs. 3,64,027Rs. 11,02,167Rs. 1,20,46,417
6Rs. 3,98,175Rs. 10,68,019Rs. 1,16,48,243
7Rs. 4,35,526Rs. 10,30,667Rs. 1,12,12,716
8Rs. 4,76,382Rs. 9,89,812Rs. 1,07,36,335
9Rs. 5,21,069Rs. 9,45,124Rs. 1,02,15,265
10Rs. 5,69,949Rs. 8,96,244Rs. 96,45,316
11Rs. 6,23,415Rs. 8,42,779Rs. 90,21,901
12Rs. 6,81,895Rs. 7,84,298Rs. 83,40,006
13Rs. 7,45,862Rs. 7,20,332Rs. 75,94,144
14Rs. 8,15,829Rs. 6,50,365Rs. 67,78,316
15Rs. 8,92,359Rs. 5,73,834Rs. 58,85,957
16Rs. 9,76,068Rs. 4,90,125Rs. 49,09,889
17Rs. 10,67,630Rs. 3,98,563Rs. 38,42,258
18Rs. 11,67,781Rs. 2,98,412Rs. 26,74,477
19Rs. 12,77,327Rs. 1,88,866Rs. 13,97,149
20Rs. 13,97,149Rs. 69,044Rs. 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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