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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. 1,32,259.72

Total repaid
Rs. 3,17,42,332
Total interest
Rs. 1,70,42,332
Time to repay
20.0 years

Where your money goes

  • Loan amount (principal): Rs. 1,47,00,000 (46%)
  • Interest: Rs. 1,70,42,332 (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. 3,17,42,332Rs. 1,47,00,000
1Rs. 3,01,55,215Rs. 1,44,24,712
2Rs. 2,85,68,099Rs. 1,41,23,599
3Rs. 2,69,80,982Rs. 1,37,94,240
4Rs. 2,53,93,865Rs. 1,34,33,986
5Rs. 2,38,06,749Rs. 1,30,39,936
6Rs. 2,22,19,632Rs. 1,26,08,922
7Rs. 2,06,32,516Rs. 1,21,37,476
8Rs. 1,90,45,399Rs. 1,16,21,806
9Rs. 1,74,58,282Rs. 1,10,57,761
10Rs. 1,58,71,166Rs. 1,04,40,806
11Rs. 1,42,84,049Rs. 97,65,976
12Rs. 1,26,96,933Rs. 90,27,842
13Rs. 1,11,09,816Rs. 82,20,466
14Rs. 95,22,700Rs. 73,37,352
15Rs. 79,35,583Rs. 63,71,397
16Rs. 63,48,466Rs. 53,14,828
17Rs. 47,61,350Rs. 41,59,146
18Rs. 31,74,233Rs. 28,95,052
19Rs. 15,87,117Rs. 15,12,378
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. 2,75,288Rs. 13,11,828Rs. 1,44,24,712
2Rs. 3,01,112Rs. 12,86,004Rs. 1,41,23,599
3Rs. 3,29,359Rs. 12,57,758Rs. 1,37,94,240
4Rs. 3,60,255Rs. 12,26,862Rs. 1,34,33,986
5Rs. 3,94,049Rs. 11,93,067Rs. 1,30,39,936
6Rs. 4,31,014Rs. 11,56,103Rs. 1,26,08,922
7Rs. 4,71,446Rs. 11,15,671Rs. 1,21,37,476
8Rs. 5,15,671Rs. 10,71,446Rs. 1,16,21,806
9Rs. 5,64,044Rs. 10,23,072Rs. 1,10,57,761
10Rs. 6,16,956Rs. 9,70,161Rs. 1,04,40,806
11Rs. 6,74,830Rs. 9,12,286Rs. 97,65,976
12Rs. 7,38,134Rs. 8,48,983Rs. 90,27,842
13Rs. 8,07,376Rs. 7,79,741Rs. 82,20,466
14Rs. 8,83,113Rs. 7,04,003Rs. 73,37,352
15Rs. 9,65,956Rs. 6,21,161Rs. 63,71,397
16Rs. 10,56,569Rs. 5,30,548Rs. 53,14,828
17Rs. 11,55,682Rs. 4,31,434Rs. 41,59,146
18Rs. 12,64,093Rs. 3,23,023Rs. 28,95,052
19Rs. 13,82,674Rs. 2,04,443Rs. 15,12,378
20Rs. 15,12,378Rs. 74,738Rs. 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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