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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. 1,42,966.45

Total repaid
Rs. 3,43,11,949
Total interest
Rs. 1,84,21,949
Time to repay
20.0 years

Where your money goes

  • Loan amount (principal): Rs. 1,58,90,000 (46%)
  • Interest: Rs. 1,84,21,949 (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. 3,43,11,949Rs. 1,58,90,000
1Rs. 3,25,96,352Rs. 1,55,92,426
2Rs. 3,08,80,754Rs. 1,52,66,938
3Rs. 2,91,65,157Rs. 1,49,10,917
4Rs. 2,74,49,559Rs. 1,45,21,499
5Rs. 2,57,33,962Rs. 1,40,95,550
6Rs. 2,40,18,364Rs. 1,36,29,645
7Rs. 2,23,02,767Rs. 1,31,20,034
8Rs. 2,05,87,169Rs. 1,25,62,618
9Rs. 1,88,71,572Rs. 1,19,52,913
10Rs. 1,71,55,975Rs. 1,12,86,014
11Rs. 1,54,40,377Rs. 1,05,56,555
12Rs. 1,37,24,780Rs. 97,58,667
13Rs. 1,20,09,182Rs. 88,85,932
14Rs. 1,02,93,585Rs. 79,31,328
15Rs. 85,77,987Rs. 68,87,176
16Rs. 68,62,390Rs. 57,45,076
17Rs. 51,46,792Rs. 44,95,838
18Rs. 34,31,195Rs. 31,29,414
19Rs. 17,15,597Rs. 16,34,809
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. 2,97,574Rs. 14,18,024Rs. 1,55,92,426
2Rs. 3,25,488Rs. 13,90,109Rs. 1,52,66,938
3Rs. 3,56,021Rs. 13,59,576Rs. 1,49,10,917
4Rs. 3,89,418Rs. 13,26,179Rs. 1,45,21,499
5Rs. 4,25,949Rs. 12,89,649Rs. 1,40,95,550
6Rs. 4,65,905Rs. 12,49,692Rs. 1,36,29,645
7Rs. 5,09,611Rs. 12,05,987Rs. 1,31,20,034
8Rs. 5,57,416Rs. 11,58,182Rs. 1,25,62,618
9Rs. 6,09,705Rs. 11,05,892Rs. 1,19,52,913
10Rs. 6,66,900Rs. 10,48,698Rs. 1,12,86,014
11Rs. 7,29,459Rs. 9,86,138Rs. 1,05,56,555
12Rs. 7,97,888Rs. 9,17,710Rs. 97,58,667
13Rs. 8,72,735Rs. 8,42,862Rs. 88,85,932
14Rs. 9,54,604Rs. 7,60,994Rs. 79,31,328
15Rs. 10,44,152Rs. 6,71,445Rs. 68,87,176
16Rs. 11,42,101Rs. 5,73,497Rs. 57,45,076
17Rs. 12,49,238Rs. 4,66,360Rs. 44,95,838
18Rs. 13,66,425Rs. 3,49,173Rs. 31,29,414
19Rs. 14,94,605Rs. 2,20,993Rs. 16,34,809
20Rs. 16,34,809Rs. 80,789Rs. 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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