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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. 1,37,927.99

Total repaid
Rs. 3,31,02,717
Total interest
Rs. 1,77,72,717
Time to repay
20.0 years

Where your money goes

  • Loan amount (principal): Rs. 1,53,30,000 (46%)
  • Interest: Rs. 1,77,72,717 (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. 3,31,02,717Rs. 1,53,30,000
1Rs. 3,14,47,582Rs. 1,50,42,914
2Rs. 2,97,92,446Rs. 1,47,28,896
3Rs. 2,81,37,310Rs. 1,43,85,422
4Rs. 2,64,82,174Rs. 1,40,09,728
5Rs. 2,48,27,038Rs. 1,35,98,791
6Rs. 2,31,71,902Rs. 1,31,49,305
7Rs. 2,15,16,766Rs. 1,26,57,654
8Rs. 1,98,61,630Rs. 1,21,19,883
9Rs. 1,82,06,495Rs. 1,15,31,665
10Rs. 1,65,51,359Rs. 1,08,88,269
11Rs. 1,48,96,223Rs. 1,01,84,517
12Rs. 1,32,41,087Rs. 94,14,749
13Rs. 1,15,85,951Rs. 85,72,771
14Rs. 99,30,815Rs. 76,51,810
15Rs. 82,75,679Rs. 66,44,457
16Rs. 66,20,543Rs. 55,42,606
17Rs. 49,65,408Rs. 43,37,395
18Rs. 33,10,272Rs. 30,19,126
19Rs. 16,55,136Rs. 15,77,195
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. 2,87,086Rs. 13,68,049Rs. 1,50,42,914
2Rs. 3,14,017Rs. 13,41,119Rs. 1,47,28,896
3Rs. 3,43,474Rs. 13,11,662Rs. 1,43,85,422
4Rs. 3,75,694Rs. 12,79,441Rs. 1,40,09,728
5Rs. 4,10,937Rs. 12,44,199Rs. 1,35,98,791
6Rs. 4,49,486Rs. 12,05,650Rs. 1,31,49,305
7Rs. 4,91,651Rs. 11,63,485Rs. 1,26,57,654
8Rs. 5,37,771Rs. 11,17,365Rs. 1,21,19,883
9Rs. 5,88,218Rs. 10,66,918Rs. 1,15,31,665
10Rs. 6,43,396Rs. 10,11,739Rs. 1,08,88,269
11Rs. 7,03,752Rs. 9,51,384Rs. 1,01,84,517
12Rs. 7,69,768Rs. 8,85,368Rs. 94,14,749
13Rs. 8,41,978Rs. 8,13,158Rs. 85,72,771
14Rs. 9,20,961Rs. 7,34,175Rs. 76,51,810
15Rs. 10,07,354Rs. 6,47,782Rs. 66,44,457
16Rs. 11,01,850Rs. 5,53,285Rs. 55,42,606
17Rs. 12,05,212Rs. 4,49,924Rs. 43,37,395
18Rs. 13,18,269Rs. 3,36,867Rs. 30,19,126
19Rs. 14,41,931Rs. 2,13,204Rs. 15,77,195
20Rs. 15,77,195Rs. 77,941Rs. 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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