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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. 1,31,629.91

Total repaid
Rs. 3,15,91,178
Total interest
Rs. 1,69,61,178
Time to repay
20.0 years

Where your money goes

  • Loan amount (principal): Rs. 1,46,30,000 (46%)
  • Interest: Rs. 1,69,61,178 (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. 3,15,91,178Rs. 1,46,30,000
1Rs. 3,00,11,619Rs. 1,43,56,022
2Rs. 2,84,32,060Rs. 1,40,56,344
3Rs. 2,68,52,501Rs. 1,37,28,554
4Rs. 2,52,72,942Rs. 1,33,70,014
5Rs. 2,36,93,383Rs. 1,29,77,841
6Rs. 2,21,13,824Rs. 1,25,48,880
7Rs. 2,05,34,266Rs. 1,20,79,679
8Rs. 1,89,54,707Rs. 1,15,66,464
9Rs. 1,73,75,148Rs. 1,10,05,105
10Rs. 1,57,95,589Rs. 1,03,91,088
11Rs. 1,42,16,030Rs. 97,19,471
12Rs. 1,26,36,471Rs. 89,84,852
13Rs. 1,10,56,912Rs. 81,81,321
14Rs. 94,77,353Rs. 73,02,412
15Rs. 78,97,794Rs. 63,41,057
16Rs. 63,18,236Rs. 52,89,519
17Rs. 47,38,677Rs. 41,39,340
18Rs. 31,59,118Rs. 28,81,266
19Rs. 15,79,559Rs. 15,05,177
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. 2,73,978Rs. 13,05,581Rs. 1,43,56,022
2Rs. 2,99,679Rs. 12,79,880Rs. 1,40,56,344
3Rs. 3,27,790Rs. 12,51,768Rs. 1,37,28,554
4Rs. 3,58,539Rs. 12,21,019Rs. 1,33,70,014
5Rs. 3,92,173Rs. 11,87,386Rs. 1,29,77,841
6Rs. 4,28,961Rs. 11,50,597Rs. 1,25,48,880
7Rs. 4,69,201Rs. 11,10,358Rs. 1,20,79,679
8Rs. 5,13,215Rs. 10,66,344Rs. 1,15,66,464
9Rs. 5,61,358Rs. 10,18,201Rs. 1,10,05,105
10Rs. 6,14,018Rs. 9,65,541Rs. 1,03,91,088
11Rs. 6,71,617Rs. 9,07,942Rs. 97,19,471
12Rs. 7,34,619Rs. 8,44,940Rs. 89,84,852
13Rs. 8,03,531Rs. 7,76,028Rs. 81,81,321
14Rs. 8,78,908Rs. 7,00,651Rs. 73,02,412
15Rs. 9,61,356Rs. 6,18,203Rs. 63,41,057
16Rs. 10,51,538Rs. 5,28,021Rs. 52,89,519
17Rs. 11,50,179Rs. 4,29,380Rs. 41,39,340
18Rs. 12,58,074Rs. 3,21,485Rs. 28,81,266
19Rs. 13,76,090Rs. 2,03,469Rs. 15,05,177
20Rs. 15,05,177Rs. 74,382Rs. 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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