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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. 1,56,192.43

Total repaid
Rs. 3,74,86,182
Total interest
Rs. 2,01,26,182
Time to repay
20.0 years

Where your money goes

  • Loan amount (principal): Rs. 1,73,60,000 (46%)
  • Interest: Rs. 2,01,26,182 (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. 3,74,86,182Rs. 1,73,60,000
1Rs. 3,56,11,873Rs. 1,70,34,897
2Rs. 3,37,37,564Rs. 1,66,79,298
3Rs. 3,18,63,255Rs. 1,62,90,341
4Rs. 2,99,88,946Rs. 1,58,64,897
5Rs. 2,81,14,637Rs. 1,53,99,544
6Rs. 2,62,40,328Rs. 1,48,90,537
7Rs. 2,43,66,018Rs. 1,43,33,782
8Rs. 2,24,91,709Rs. 1,37,24,799
9Rs. 2,06,17,400Rs. 1,30,58,690
10Rs. 1,87,43,091Rs. 1,23,30,094
11Rs. 1,68,68,782Rs. 1,15,33,152
12Rs. 1,49,94,473Rs. 1,06,61,451
13Rs. 1,31,20,164Rs. 97,07,979
14Rs. 1,12,45,855Rs. 86,65,064
15Rs. 93,71,546Rs. 75,24,316
16Rs. 74,97,236Rs. 62,76,559
17Rs. 56,22,927Rs. 49,11,753
18Rs. 37,48,618Rs. 34,18,919
19Rs. 18,74,309Rs. 17,86,047
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. 3,25,103Rs. 15,49,207Rs. 1,70,34,897
2Rs. 3,55,599Rs. 15,18,710Rs. 1,66,79,298
3Rs. 3,88,957Rs. 14,85,352Rs. 1,62,90,341
4Rs. 4,25,444Rs. 14,48,865Rs. 1,58,64,897
5Rs. 4,65,353Rs. 14,08,956Rs. 1,53,99,544
6Rs. 5,09,007Rs. 13,65,302Rs. 1,48,90,537
7Rs. 5,56,755Rs. 13,17,554Rs. 1,43,33,782
8Rs. 6,08,983Rs. 12,65,326Rs. 1,37,24,799
9Rs. 6,66,109Rs. 12,08,200Rs. 1,30,58,690
10Rs. 7,28,595Rs. 11,45,714Rs. 1,23,30,094
11Rs. 7,96,942Rs. 10,77,367Rs. 1,15,33,152
12Rs. 8,71,701Rs. 10,02,608Rs. 1,06,61,451
13Rs. 9,53,473Rs. 9,20,837Rs. 97,07,979
14Rs. 10,42,915Rs. 8,31,394Rs. 86,65,064
15Rs. 11,40,748Rs. 7,33,562Rs. 75,24,316
16Rs. 12,47,758Rs. 6,26,552Rs. 62,76,559
17Rs. 13,64,806Rs. 5,09,503Rs. 49,11,753
18Rs. 14,92,834Rs. 3,81,475Rs. 34,18,919
19Rs. 16,32,872Rs. 2,41,437Rs. 17,86,047
20Rs. 17,86,047Rs. 88,262Rs. 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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