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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. 1,41,077.03

Total repaid
Rs. 3,38,58,487
Total interest
Rs. 1,81,78,487
Time to repay
20.0 years

Where your money goes

  • Loan amount (principal): Rs. 1,56,80,000 (46%)
  • Interest: Rs. 1,81,78,487 (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. 3,38,58,487Rs. 1,56,80,000
1Rs. 3,21,65,563Rs. 1,53,86,359
2Rs. 3,04,72,638Rs. 1,50,65,172
3Rs. 2,87,79,714Rs. 1,47,13,856
4Rs. 2,70,86,790Rs. 1,43,29,585
5Rs. 2,53,93,865Rs. 1,39,09,265
6Rs. 2,37,00,941Rs. 1,34,49,517
7Rs. 2,20,08,017Rs. 1,29,46,642
8Rs. 2,03,15,092Rs. 1,23,96,593
9Rs. 1,86,22,168Rs. 1,17,94,945
10Rs. 1,69,29,244Rs. 1,11,36,860
11Rs. 1,52,36,319Rs. 1,04,17,041
12Rs. 1,35,43,395Rs. 96,29,698
13Rs. 1,18,50,471Rs. 87,68,497
14Rs. 1,01,57,546Rs. 78,26,509
15Rs. 84,64,622Rs. 67,96,156
16Rs. 67,71,697Rs. 56,69,150
17Rs. 50,78,773Rs. 44,36,422
18Rs. 33,85,849Rs. 30,88,056
19Rs. 16,92,924Rs. 16,13,204
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. 2,93,641Rs. 13,99,283Rs. 1,53,86,359
2Rs. 3,21,187Rs. 13,71,738Rs. 1,50,65,172
3Rs. 3,51,316Rs. 13,41,608Rs. 1,47,13,856
4Rs. 3,84,272Rs. 13,08,652Rs. 1,43,29,585
5Rs. 4,20,319Rs. 12,72,605Rs. 1,39,09,265
6Rs. 4,59,748Rs. 12,33,176Rs. 1,34,49,517
7Rs. 5,02,876Rs. 11,90,049Rs. 1,29,46,642
8Rs. 5,50,049Rs. 11,42,876Rs. 1,23,96,593
9Rs. 6,01,647Rs. 10,91,277Rs. 1,17,94,945
10Rs. 6,58,086Rs. 10,34,838Rs. 1,11,36,860
11Rs. 7,19,819Rs. 9,73,105Rs. 1,04,17,041
12Rs. 7,87,343Rs. 9,05,581Rs. 96,29,698
13Rs. 8,61,201Rs. 8,31,723Rs. 87,68,497
14Rs. 9,41,988Rs. 7,50,937Rs. 78,26,509
15Rs. 10,30,353Rs. 6,62,572Rs. 67,96,156
16Rs. 11,27,007Rs. 5,65,918Rs. 56,69,150
17Rs. 12,32,728Rs. 4,60,197Rs. 44,36,422
18Rs. 13,48,366Rs. 3,44,558Rs. 30,88,056
19Rs. 14,74,852Rs. 2,18,072Rs. 16,13,204
20Rs. 16,13,204Rs. 79,721Rs. 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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