Skip to content
Sign in

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. 1,58,711.66

Total repaid
Rs. 3,80,90,798
Total interest
Rs. 2,04,50,798
Time to repay
20.0 years

Where your money goes

  • Loan amount (principal): Rs. 1,76,40,000 (46%)
  • Interest: Rs. 2,04,50,798 (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. 3,80,90,798Rs. 1,76,40,000
1Rs. 3,61,86,258Rs. 1,73,09,654
2Rs. 3,42,81,718Rs. 1,69,48,319
3Rs. 3,23,77,178Rs. 1,65,53,089
4Rs. 3,04,72,638Rs. 1,61,20,783
5Rs. 2,85,68,099Rs. 1,56,47,923
6Rs. 2,66,63,559Rs. 1,51,30,707
7Rs. 2,47,59,019Rs. 1,45,64,972
8Rs. 2,28,54,479Rs. 1,39,46,167
9Rs. 2,09,49,939Rs. 1,32,69,314
10Rs. 1,90,45,399Rs. 1,25,28,967
11Rs. 1,71,40,859Rs. 1,17,19,171
12Rs. 1,52,36,319Rs. 1,08,33,410
13Rs. 1,33,31,779Rs. 98,64,559
14Rs. 1,14,27,239Rs. 88,04,823
15Rs. 95,22,700Rs. 76,45,676
16Rs. 76,18,160Rs. 63,77,793
17Rs. 57,13,620Rs. 49,90,975
18Rs. 38,09,080Rs. 34,74,063
19Rs. 19,04,540Rs. 18,14,854
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. 3,30,346Rs. 15,74,194Rs. 1,73,09,654
2Rs. 3,61,335Rs. 15,43,205Rs. 1,69,48,319
3Rs. 3,95,231Rs. 15,09,309Rs. 1,65,53,089
4Rs. 4,32,306Rs. 14,72,234Rs. 1,61,20,783
5Rs. 4,72,859Rs. 14,31,681Rs. 1,56,47,923
6Rs. 5,17,217Rs. 13,87,323Rs. 1,51,30,707
7Rs. 5,65,735Rs. 13,38,805Rs. 1,45,64,972
8Rs. 6,18,805Rs. 12,85,735Rs. 1,39,46,167
9Rs. 6,76,853Rs. 12,27,687Rs. 1,32,69,314
10Rs. 7,40,347Rs. 11,64,193Rs. 1,25,28,967
11Rs. 8,09,796Rs. 10,94,744Rs. 1,17,19,171
12Rs. 8,85,761Rs. 10,18,779Rs. 1,08,33,410
13Rs. 9,68,851Rs. 9,35,689Rs. 98,64,559
14Rs. 10,59,736Rs. 8,44,804Rs. 88,04,823
15Rs. 11,59,147Rs. 7,45,393Rs. 76,45,676
16Rs. 12,67,883Rs. 6,36,657Rs. 63,77,793
17Rs. 13,86,819Rs. 5,17,721Rs. 49,90,975
18Rs. 15,16,912Rs. 3,87,628Rs. 34,74,063
19Rs. 16,59,209Rs. 2,45,331Rs. 18,14,854
20Rs. 18,14,854Rs. 89,686Rs. 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.

More calculators