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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. 1,22,812.59

Total repaid
Rs. 2,94,75,022
Total interest
Rs. 1,58,25,022
Time to repay
20.0 years

Where your money goes

  • Loan amount (principal): Rs. 1,36,50,000 (46%)
  • Interest: Rs. 1,58,25,022 (54%)
What you'd still owe, year by year
01 Cr2 Cr3 Cr05101520
Show as table
YearStill to pay (with interest)Loan balance
0Rs. 2,94,75,022Rs. 1,36,50,000
1Rs. 2,80,01,271Rs. 1,33,94,375
2Rs. 2,65,27,520Rs. 1,31,14,771
3Rs. 2,50,53,769Rs. 1,28,08,938
4Rs. 2,35,80,018Rs. 1,24,74,415
5Rs. 2,21,06,267Rs. 1,21,08,512
6Rs. 2,06,32,516Rs. 1,17,08,285
7Rs. 1,91,58,764Rs. 1,12,70,514
8Rs. 1,76,85,013Rs. 1,07,91,677
9Rs. 1,62,11,262Rs. 1,02,67,921
10Rs. 1,47,37,511Rs. 96,95,034
11Rs. 1,32,63,760Rs. 90,68,406
12Rs. 1,17,90,009Rs. 83,82,996
13Rs. 1,03,16,258Rs. 76,33,290
14Rs. 88,42,507Rs. 68,13,256
15Rs. 73,68,756Rs. 59,16,297
16Rs. 58,95,004Rs. 49,35,197
17Rs. 44,21,253Rs. 38,62,064
18Rs. 29,47,502Rs. 26,88,263
19Rs. 14,73,751Rs. 14,04,351
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. 2,55,625Rs. 12,18,126Rs. 1,33,94,375
2Rs. 2,79,604Rs. 11,94,147Rs. 1,31,14,771
3Rs. 3,05,833Rs. 11,67,918Rs. 1,28,08,938
4Rs. 3,34,522Rs. 11,39,229Rs. 1,24,74,415
5Rs. 3,65,903Rs. 11,07,848Rs. 1,21,08,512
6Rs. 4,00,227Rs. 10,73,524Rs. 1,17,08,285
7Rs. 4,37,771Rs. 10,35,980Rs. 1,12,70,514
8Rs. 4,78,837Rs. 9,94,914Rs. 1,07,91,677
9Rs. 5,23,755Rs. 9,49,996Rs. 1,02,67,921
10Rs. 5,72,887Rs. 9,00,864Rs. 96,95,034
11Rs. 6,26,628Rs. 8,47,123Rs. 90,68,406
12Rs. 6,85,410Rs. 7,88,341Rs. 83,82,996
13Rs. 7,49,706Rs. 7,24,045Rs. 76,33,290
14Rs. 8,20,034Rs. 6,53,717Rs. 68,13,256
15Rs. 8,96,959Rs. 5,76,792Rs. 59,16,297
16Rs. 9,81,100Rs. 4,92,651Rs. 49,35,197
17Rs. 10,73,134Rs. 4,00,618Rs. 38,62,064
18Rs. 11,73,801Rs. 2,99,950Rs. 26,88,263
19Rs. 12,83,912Rs. 1,89,840Rs. 14,04,351
20Rs. 14,04,351Rs. 69,400Rs. 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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