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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. 1,38,557.80

Total repaid
Rs. 3,32,53,871
Total interest
Rs. 1,78,53,871
Time to repay
20.0 years

Where your money goes

  • Loan amount (principal): Rs. 1,54,00,000 (46%)
  • Interest: Rs. 1,78,53,871 (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. 3,32,53,871Rs. 1,54,00,000
1Rs. 3,15,91,178Rs. 1,51,11,603
2Rs. 2,99,28,484Rs. 1,47,96,152
3Rs. 2,82,65,791Rs. 1,44,51,109
4Rs. 2,66,03,097Rs. 1,40,73,699
5Rs. 2,49,40,404Rs. 1,36,60,886
6Rs. 2,32,77,710Rs. 1,32,09,347
7Rs. 2,16,15,016Rs. 1,27,15,452
8Rs. 1,99,52,323Rs. 1,21,75,225
9Rs. 1,82,89,629Rs. 1,15,84,321
10Rs. 1,66,26,936Rs. 1,09,37,987
11Rs. 1,49,64,242Rs. 1,02,31,022
12Rs. 1,33,01,549Rs. 94,57,739
13Rs. 1,16,38,855Rs. 86,11,916
14Rs. 99,76,161Rs. 76,86,750
15Rs. 83,13,468Rs. 66,74,797
16Rs. 66,50,774Rs. 55,67,915
17Rs. 49,88,081Rs. 43,57,200
18Rs. 33,25,387Rs. 30,32,912
19Rs. 16,62,694Rs. 15,84,396
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. 2,88,397Rs. 13,74,296Rs. 1,51,11,603
2Rs. 3,15,451Rs. 13,47,243Rs. 1,47,96,152
3Rs. 3,45,043Rs. 13,17,651Rs. 1,44,51,109
4Rs. 3,77,410Rs. 12,85,284Rs. 1,40,73,699
5Rs. 4,12,814Rs. 12,49,880Rs. 1,36,60,886
6Rs. 4,51,538Rs. 12,11,155Rs. 1,32,09,347
7Rs. 4,93,896Rs. 11,68,798Rs. 1,27,15,452
8Rs. 5,40,227Rs. 11,22,467Rs. 1,21,75,225
9Rs. 5,90,904Rs. 10,71,790Rs. 1,15,84,321
10Rs. 6,46,334Rs. 10,16,359Rs. 1,09,37,987
11Rs. 7,06,965Rs. 9,55,729Rs. 1,02,31,022
12Rs. 7,73,283Rs. 8,89,410Rs. 94,57,739
13Rs. 8,45,822Rs. 8,16,871Rs. 86,11,916
14Rs. 9,25,166Rs. 7,37,527Rs. 76,86,750
15Rs. 10,11,953Rs. 6,50,740Rs. 66,74,797
16Rs. 11,06,882Rs. 5,55,812Rs. 55,67,915
17Rs. 12,10,715Rs. 4,51,979Rs. 43,57,200
18Rs. 13,24,288Rs. 3,38,405Rs. 30,32,912
19Rs. 14,48,516Rs. 2,14,178Rs. 15,84,396
20Rs. 15,84,396Rs. 78,297Rs. 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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