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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. 1,53,673.19

Total repaid
Rs. 3,68,81,566
Total interest
Rs. 1,98,01,566
Time to repay
20.0 years

Where your money goes

  • Loan amount (principal): Rs. 1,70,80,000 (46%)
  • Interest: Rs. 1,98,01,566 (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. 3,68,81,566Rs. 1,70,80,000
1Rs. 3,50,37,488Rs. 1,67,60,141
2Rs. 3,31,93,410Rs. 1,64,10,277
3Rs. 3,13,49,331Rs. 1,60,27,594
4Rs. 2,95,05,253Rs. 1,56,09,012
5Rs. 2,76,61,175Rs. 1,51,51,164
6Rs. 2,58,17,096Rs. 1,46,50,367
7Rs. 2,39,73,018Rs. 1,41,02,592
8Rs. 2,21,28,940Rs. 1,35,03,431
9Rs. 2,02,84,862Rs. 1,28,48,066
10Rs. 1,84,40,783Rs. 1,21,31,222
11Rs. 1,65,96,705Rs. 1,13,47,134
12Rs. 1,47,52,627Rs. 1,04,89,492
13Rs. 1,29,08,548Rs. 95,51,398
14Rs. 1,10,64,470Rs. 85,25,305
15Rs. 92,20,392Rs. 74,02,956
16Rs. 73,76,313Rs. 61,75,324
17Rs. 55,32,235Rs. 48,32,531
18Rs. 36,88,157Rs. 33,63,775
19Rs. 18,44,078Rs. 17,57,240
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. 3,19,859Rs. 15,24,219Rs. 1,67,60,141
2Rs. 3,49,864Rs. 14,94,214Rs. 1,64,10,277
3Rs. 3,82,684Rs. 14,61,395Rs. 1,60,27,594
4Rs. 4,18,582Rs. 14,25,496Rs. 1,56,09,012
5Rs. 4,57,848Rs. 13,86,231Rs. 1,51,51,164
6Rs. 5,00,797Rs. 13,43,281Rs. 1,46,50,367
7Rs. 5,47,775Rs. 12,96,303Rs. 1,41,02,592
8Rs. 5,99,160Rs. 12,44,918Rs. 1,35,03,431
9Rs. 6,55,366Rs. 11,88,713Rs. 1,28,48,066
10Rs. 7,16,844Rs. 11,27,235Rs. 1,21,31,222
11Rs. 7,84,088Rs. 10,59,990Rs. 1,13,47,134
12Rs. 8,57,641Rs. 9,86,437Rs. 1,04,89,492
13Rs. 9,38,094Rs. 9,05,984Rs. 95,51,398
14Rs. 10,26,094Rs. 8,17,985Rs. 85,25,305
15Rs. 11,22,348Rs. 7,21,730Rs. 74,02,956
16Rs. 12,27,632Rs. 6,16,446Rs. 61,75,324
17Rs. 13,42,793Rs. 5,01,286Rs. 48,32,531
18Rs. 14,68,756Rs. 3,75,322Rs. 33,63,775
19Rs. 16,06,535Rs. 2,37,543Rs. 17,57,240
20Rs. 17,57,240Rs. 86,839Rs. 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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