Skip to content
Sign in

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. 1,35,408.76

Total repaid
Rs. 3,24,98,102
Total interest
Rs. 1,74,48,102
Time to repay
20.0 years

Where your money goes

  • Loan amount (principal): Rs. 1,50,50,000 (46%)
  • Interest: Rs. 1,74,48,102 (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. 3,24,98,102Rs. 1,50,50,000
1Rs. 3,08,73,196Rs. 1,47,68,157
2Rs. 2,92,48,291Rs. 1,44,59,875
3Rs. 2,76,23,386Rs. 1,41,22,675
4Rs. 2,59,98,481Rs. 1,37,53,842
5Rs. 2,43,73,576Rs. 1,33,50,411
6Rs. 2,27,48,671Rs. 1,29,09,135
7Rs. 2,11,23,766Rs. 1,24,26,464
8Rs. 1,94,98,861Rs. 1,18,98,515
9Rs. 1,78,73,956Rs. 1,13,21,041
10Rs. 1,62,49,051Rs. 1,06,89,396
11Rs. 1,46,24,146Rs. 99,98,499
12Rs. 1,29,99,241Rs. 92,42,790
13Rs. 1,13,74,336Rs. 84,16,191
14Rs. 97,49,430Rs. 75,12,051
15Rs. 81,24,525Rs. 65,23,097
16Rs. 64,99,620Rs. 54,41,371
17Rs. 48,74,715Rs. 42,58,173
18Rs. 32,49,810Rs. 29,63,982
19Rs. 16,24,905Rs. 15,48,387
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. 2,81,843Rs. 13,43,062Rs. 1,47,68,157
2Rs. 3,08,282Rs. 13,16,623Rs. 1,44,59,875
3Rs. 3,37,201Rs. 12,87,704Rs. 1,41,22,675
4Rs. 3,68,832Rs. 12,56,073Rs. 1,37,53,842
5Rs. 4,03,431Rs. 12,21,474Rs. 1,33,50,411
6Rs. 4,41,276Rs. 11,83,629Rs. 1,29,09,135
7Rs. 4,82,671Rs. 11,42,234Rs. 1,24,26,464
8Rs. 5,27,949Rs. 10,96,956Rs. 1,18,98,515
9Rs. 5,77,474Rs. 10,47,431Rs. 1,13,21,041
10Rs. 6,31,645Rs. 9,93,260Rs. 1,06,89,396
11Rs. 6,90,898Rs. 9,34,007Rs. 99,98,499
12Rs. 7,55,709Rs. 8,69,197Rs. 92,42,790
13Rs. 8,26,599Rs. 7,98,306Rs. 84,16,191
14Rs. 9,04,140Rs. 7,20,765Rs. 75,12,051
15Rs. 9,88,955Rs. 6,35,951Rs. 65,23,097
16Rs. 10,81,725Rs. 5,43,180Rs. 54,41,371
17Rs. 11,83,199Rs. 4,41,707Rs. 42,58,173
18Rs. 12,94,191Rs. 3,30,714Rs. 29,63,982
19Rs. 14,15,595Rs. 2,09,310Rs. 15,48,387
20Rs. 15,48,387Rs. 76,518Rs. 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.

More calculators