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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. 1,54,932.81

Total repaid
Rs. 3,71,83,874
Total interest
Rs. 1,99,63,874
Time to repay
20.0 years

Where your money goes

  • Loan amount (principal): Rs. 1,72,20,000 (46%)
  • Interest: Rs. 1,99,63,874 (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. 3,71,83,874Rs. 1,72,20,000
1Rs. 3,53,24,681Rs. 1,68,97,519
2Rs. 3,34,65,487Rs. 1,65,44,788
3Rs. 3,16,06,293Rs. 1,61,58,967
4Rs. 2,97,47,099Rs. 1,57,36,954
5Rs. 2,78,87,906Rs. 1,52,75,354
6Rs. 2,60,28,712Rs. 1,47,70,452
7Rs. 2,41,69,518Rs. 1,42,18,187
8Rs. 2,23,10,325Rs. 1,36,14,115
9Rs. 2,04,51,131Rs. 1,29,53,378
10Rs. 1,85,91,937Rs. 1,22,30,658
11Rs. 1,67,32,743Rs. 1,14,40,143
12Rs. 1,48,73,550Rs. 1,05,75,472
13Rs. 1,30,14,356Rs. 96,29,688
14Rs. 1,11,55,162Rs. 85,95,184
15Rs. 92,95,969Rs. 74,63,636
16Rs. 74,36,775Rs. 62,25,941
17Rs. 55,77,581Rs. 48,72,142
18Rs. 37,18,387Rs. 33,91,347
19Rs. 18,59,194Rs. 17,71,643
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. 3,22,481Rs. 15,36,713Rs. 1,68,97,519
2Rs. 3,52,732Rs. 15,06,462Rs. 1,65,44,788
3Rs. 3,85,820Rs. 14,73,373Rs. 1,61,58,967
4Rs. 4,22,013Rs. 14,37,181Rs. 1,57,36,954
5Rs. 4,61,601Rs. 13,97,593Rs. 1,52,75,354
6Rs. 5,04,902Rs. 13,54,292Rs. 1,47,70,452
7Rs. 5,52,265Rs. 13,06,928Rs. 1,42,18,187
8Rs. 6,04,072Rs. 12,55,122Rs. 1,36,14,115
9Rs. 6,60,738Rs. 11,98,456Rs. 1,29,53,378
10Rs. 7,22,719Rs. 11,36,474Rs. 1,22,30,658
11Rs. 7,90,515Rs. 10,68,678Rs. 1,14,40,143
12Rs. 8,64,671Rs. 9,94,523Rs. 1,05,75,472
13Rs. 9,45,783Rs. 9,13,410Rs. 96,29,688
14Rs. 10,34,504Rs. 8,24,689Rs. 85,95,184
15Rs. 11,31,548Rs. 7,27,646Rs. 74,63,636
16Rs. 12,37,695Rs. 6,21,499Rs. 62,25,941
17Rs. 13,53,799Rs. 5,05,394Rs. 48,72,142
18Rs. 14,80,795Rs. 3,78,399Rs. 33,91,347
19Rs. 16,19,704Rs. 2,39,490Rs. 17,71,643
20Rs. 17,71,643Rs. 87,551Rs. 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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