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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. 1,31,000.10

Total repaid
Rs. 3,14,40,024
Total interest
Rs. 1,68,80,024
Time to repay
20.0 years

Where your money goes

  • Loan amount (principal): Rs. 1,45,60,000 (46%)
  • Interest: Rs. 1,68,80,024 (54%)
What you'd still owe, year by year
01 Cr2 Cr3 Cr4 Cr05101520
Show as table
YearStill to pay (with interest)Loan balance
0Rs. 3,14,40,024Rs. 1,45,60,000
1Rs. 2,98,68,023Rs. 1,42,87,333
2Rs. 2,82,96,021Rs. 1,39,89,089
3Rs. 2,67,24,020Rs. 1,36,62,867
4Rs. 2,51,52,019Rs. 1,33,06,043
5Rs. 2,35,80,018Rs. 1,29,15,746
6Rs. 2,20,08,017Rs. 1,24,88,837
7Rs. 2,04,36,015Rs. 1,20,21,881
8Rs. 1,88,64,014Rs. 1,15,11,122
9Rs. 1,72,92,013Rs. 1,09,52,449
10Rs. 1,57,20,012Rs. 1,03,41,370
11Rs. 1,41,48,011Rs. 96,72,966
12Rs. 1,25,76,010Rs. 89,41,862
13Rs. 1,10,04,008Rs. 81,42,176
14Rs. 94,32,007Rs. 72,67,473
15Rs. 78,60,006Rs. 63,10,717
16Rs. 62,88,005Rs. 52,64,210
17Rs. 47,16,004Rs. 41,19,535
18Rs. 31,44,002Rs. 28,67,480
19Rs. 15,72,001Rs. 14,97,975
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. 2,72,667Rs. 12,99,335Rs. 1,42,87,333
2Rs. 2,98,245Rs. 12,73,757Rs. 1,39,89,089
3Rs. 3,26,222Rs. 12,45,779Rs. 1,36,62,867
4Rs. 3,56,824Rs. 12,15,177Rs. 1,33,06,043
5Rs. 3,90,296Rs. 11,81,705Rs. 1,29,15,746
6Rs. 4,26,909Rs. 11,45,092Rs. 1,24,88,837
7Rs. 4,66,956Rs. 11,05,045Rs. 1,20,21,881
8Rs. 5,10,760Rs. 10,61,242Rs. 1,15,11,122
9Rs. 5,58,672Rs. 10,13,329Rs. 1,09,52,449
10Rs. 6,11,080Rs. 9,60,921Rs. 1,03,41,370
11Rs. 6,68,403Rs. 9,03,598Rs. 96,72,966
12Rs. 7,31,104Rs. 8,40,897Rs. 89,41,862
13Rs. 7,99,687Rs. 7,72,314Rs. 81,42,176
14Rs. 8,74,703Rs. 6,97,298Rs. 72,67,473
15Rs. 9,56,756Rs. 6,15,245Rs. 63,10,717
16Rs. 10,46,506Rs. 5,25,495Rs. 52,64,210
17Rs. 11,44,676Rs. 4,27,325Rs. 41,19,535
18Rs. 12,52,054Rs. 3,19,947Rs. 28,67,480
19Rs. 13,69,506Rs. 2,02,496Rs. 14,97,975
20Rs. 14,97,975Rs. 74,027Rs. 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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