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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. 1,36,038.56

Total repaid
Rs. 3,26,49,255
Total interest
Rs. 1,75,29,255
Time to repay
20.0 years

Where your money goes

  • Loan amount (principal): Rs. 1,51,20,000 (46%)
  • Interest: Rs. 1,75,29,255 (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. 3,26,49,255Rs. 1,51,20,000
1Rs. 3,10,16,793Rs. 1,48,36,846
2Rs. 2,93,84,330Rs. 1,45,27,131
3Rs. 2,77,51,867Rs. 1,41,88,362
4Rs. 2,61,19,404Rs. 1,38,17,814
5Rs. 2,44,86,942Rs. 1,34,12,506
6Rs. 2,28,54,479Rs. 1,29,69,177
7Rs. 2,12,22,016Rs. 1,24,84,261
8Rs. 1,95,89,553Rs. 1,19,53,857
9Rs. 1,79,57,091Rs. 1,13,73,697
10Rs. 1,63,24,628Rs. 1,07,39,115
11Rs. 1,46,92,165Rs. 1,00,45,003
12Rs. 1,30,59,702Rs. 92,85,780
13Rs. 1,14,27,239Rs. 84,55,336
14Rs. 97,94,777Rs. 75,46,991
15Rs. 81,62,314Rs. 65,53,437
16Rs. 65,29,851Rs. 54,66,680
17Rs. 48,97,388Rs. 42,77,978
18Rs. 32,64,926Rs. 29,77,768
19Rs. 16,32,463Rs. 15,55,589
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. 2,83,154Rs. 13,49,309Rs. 1,48,36,846
2Rs. 3,09,716Rs. 13,22,747Rs. 1,45,27,131
3Rs. 3,38,769Rs. 12,93,694Rs. 1,41,88,362
4Rs. 3,70,548Rs. 12,61,915Rs. 1,38,17,814
5Rs. 4,05,308Rs. 12,27,155Rs. 1,34,12,506
6Rs. 4,43,329Rs. 11,89,134Rs. 1,29,69,177
7Rs. 4,84,916Rs. 11,47,547Rs. 1,24,84,261
8Rs. 5,30,404Rs. 11,02,059Rs. 1,19,53,857
9Rs. 5,80,160Rs. 10,52,303Rs. 1,13,73,697
10Rs. 6,34,583Rs. 9,97,880Rs. 1,07,39,115
11Rs. 6,94,111Rs. 9,38,352Rs. 1,00,45,003
12Rs. 7,59,223Rs. 8,73,239Rs. 92,85,780
13Rs. 8,30,444Rs. 8,02,019Rs. 84,55,336
14Rs. 9,08,345Rs. 7,24,118Rs. 75,46,991
15Rs. 9,93,554Rs. 6,38,908Rs. 65,53,437
16Rs. 10,86,757Rs. 5,45,706Rs. 54,66,680
17Rs. 11,88,702Rs. 4,43,761Rs. 42,77,978
18Rs. 13,00,210Rs. 3,32,253Rs. 29,77,768
19Rs. 14,22,179Rs. 2,10,284Rs. 15,55,589
20Rs. 15,55,589Rs. 76,874Rs. 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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