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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. 1,24,702.02

Total repaid
Rs. 2,99,28,484
Total interest
Rs. 1,60,68,484
Time to repay
20.0 years

Where your money goes

  • Loan amount (principal): Rs. 1,38,60,000 (46%)
  • Interest: Rs. 1,60,68,484 (54%)
What you'd still owe, year by year
01 Cr2 Cr3 Cr05101520
Show as table
YearStill to pay (with interest)Loan balance
0Rs. 2,99,28,484Rs. 1,38,60,000
1Rs. 2,84,32,060Rs. 1,36,00,442
2Rs. 2,69,35,636Rs. 1,33,16,536
3Rs. 2,54,39,212Rs. 1,30,05,998
4Rs. 2,39,42,787Rs. 1,26,66,329
5Rs. 2,24,46,363Rs. 1,22,94,797
6Rs. 2,09,49,939Rs. 1,18,88,413
7Rs. 1,94,53,515Rs. 1,14,43,906
8Rs. 1,79,57,091Rs. 1,09,57,702
9Rs. 1,64,60,666Rs. 1,04,25,889
10Rs. 1,49,64,242Rs. 98,44,188
11Rs. 1,34,67,818Rs. 92,07,920
12Rs. 1,19,71,394Rs. 85,11,965
13Rs. 1,04,74,969Rs. 77,50,725
14Rs. 89,78,545Rs. 69,18,075
15Rs. 74,82,121Rs. 60,07,317
16Rs. 59,85,697Rs. 50,11,123
17Rs. 44,89,273Rs. 39,21,480
18Rs. 29,92,848Rs. 27,29,621
19Rs. 14,96,424Rs. 14,25,957
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. 2,59,558Rs. 12,36,867Rs. 1,36,00,442
2Rs. 2,83,906Rs. 12,12,518Rs. 1,33,16,536
3Rs. 3,10,538Rs. 11,85,886Rs. 1,30,05,998
4Rs. 3,39,669Rs. 11,56,755Rs. 1,26,66,329
5Rs. 3,71,532Rs. 11,24,892Rs. 1,22,94,797
6Rs. 4,06,384Rs. 10,90,040Rs. 1,18,88,413
7Rs. 4,44,506Rs. 10,51,918Rs. 1,14,43,906
8Rs. 4,86,204Rs. 10,10,220Rs. 1,09,57,702
9Rs. 5,31,813Rs. 9,64,611Rs. 1,04,25,889
10Rs. 5,81,701Rs. 9,14,723Rs. 98,44,188
11Rs. 6,36,268Rs. 8,60,156Rs. 92,07,920
12Rs. 6,95,955Rs. 8,00,469Rs. 85,11,965
13Rs. 7,61,240Rs. 7,35,184Rs. 77,50,725
14Rs. 8,32,650Rs. 6,63,774Rs. 69,18,075
15Rs. 9,10,758Rs. 5,85,666Rs. 60,07,317
16Rs. 9,96,193Rs. 5,00,231Rs. 50,11,123
17Rs. 10,89,643Rs. 4,06,781Rs. 39,21,480
18Rs. 11,91,859Rs. 3,04,565Rs. 27,29,621
19Rs. 13,03,664Rs. 1,92,760Rs. 14,25,957
20Rs. 14,25,957Rs. 70,468Rs. 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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