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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. 1,49,894.34

Total repaid
Rs. 3,59,74,643
Total interest
Rs. 1,93,14,643
Time to repay
20.0 years

Where your money goes

  • Loan amount (principal): Rs. 1,66,60,000 (46%)
  • Interest: Rs. 1,93,14,643 (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. 3,59,74,643Rs. 1,66,60,000
1Rs. 3,41,75,910Rs. 1,63,48,006
2Rs. 3,23,77,178Rs. 1,60,06,746
3Rs. 3,05,78,446Rs. 1,56,33,472
4Rs. 2,87,79,714Rs. 1,52,25,184
5Rs. 2,69,80,982Rs. 1,47,78,594
6Rs. 2,51,82,250Rs. 1,42,90,112
7Rs. 2,33,83,518Rs. 1,37,55,807
8Rs. 2,15,84,786Rs. 1,31,71,380
9Rs. 1,97,86,053Rs. 1,25,32,130
10Rs. 1,79,87,321Rs. 1,18,32,913
11Rs. 1,61,88,589Rs. 1,10,68,106
12Rs. 1,43,89,857Rs. 1,02,31,554
13Rs. 1,25,91,125Rs. 93,16,528
14Rs. 1,07,92,393Rs. 83,15,666
15Rs. 89,93,661Rs. 72,20,916
16Rs. 71,94,929Rs. 60,23,472
17Rs. 53,96,196Rs. 47,13,698
18Rs. 35,97,464Rs. 32,81,059
19Rs. 17,98,732Rs. 17,14,029
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. 3,11,994Rs. 14,86,739Rs. 1,63,48,006
2Rs. 3,41,261Rs. 14,57,471Rs. 1,60,06,746
3Rs. 3,73,273Rs. 14,25,459Rs. 1,56,33,472
4Rs. 4,08,289Rs. 13,90,443Rs. 1,52,25,184
5Rs. 4,46,589Rs. 13,52,143Rs. 1,47,78,594
6Rs. 4,88,482Rs. 13,10,250Rs. 1,42,90,112
7Rs. 5,34,305Rs. 12,64,427Rs. 1,37,55,807
8Rs. 5,84,427Rs. 12,14,305Rs. 1,31,71,380
9Rs. 6,39,250Rs. 11,59,482Rs. 1,25,32,130
10Rs. 6,99,216Rs. 10,99,516Rs. 1,18,32,913
11Rs. 7,64,808Rs. 10,33,925Rs. 1,10,68,106
12Rs. 8,36,552Rs. 9,62,180Rs. 1,02,31,554
13Rs. 9,15,026Rs. 8,83,706Rs. 93,16,528
14Rs. 10,00,862Rs. 7,97,870Rs. 83,15,666
15Rs. 10,94,750Rs. 7,03,982Rs. 72,20,916
16Rs. 11,97,445Rs. 6,01,287Rs. 60,23,472
17Rs. 13,09,773Rs. 4,88,959Rs. 47,13,698
18Rs. 14,32,639Rs. 3,66,093Rs. 32,81,059
19Rs. 15,67,030Rs. 2,31,702Rs. 17,14,029
20Rs. 17,14,029Rs. 84,703Rs. 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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