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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. 1,63,120.32

Total repaid
Rs. 3,91,48,876
Total interest
Rs. 2,10,18,876
Time to repay
20.0 years

Where your money goes

  • Loan amount (principal): Rs. 1,81,30,000 (46%)
  • Interest: Rs. 2,10,18,876 (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. 3,91,48,876Rs. 1,81,30,000
1Rs. 3,71,91,432Rs. 1,77,90,478
2Rs. 3,52,33,988Rs. 1,74,19,106
3Rs. 3,32,76,544Rs. 1,70,12,897
4Rs. 3,13,19,101Rs. 1,65,68,582
5Rs. 2,93,61,657Rs. 1,60,82,588
6Rs. 2,74,04,213Rs. 1,55,51,004
7Rs. 2,54,46,769Rs. 1,49,69,554
8Rs. 2,34,89,325Rs. 1,43,33,560
9Rs. 2,15,31,882Rs. 1,36,37,906
10Rs. 1,95,74,438Rs. 1,28,76,994
11Rs. 1,76,16,994Rs. 1,20,44,703
12Rs. 1,56,59,550Rs. 1,11,34,338
13Rs. 1,37,02,107Rs. 1,01,38,574
14Rs. 1,17,44,663Rs. 90,49,401
15Rs. 97,87,219Rs. 78,58,056
16Rs. 78,29,775Rs. 65,54,954
17Rs. 58,72,331Rs. 51,29,613
18Rs. 39,14,888Rs. 35,70,564
19Rs. 19,57,444Rs. 18,65,267
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. 3,39,522Rs. 16,17,921Rs. 1,77,90,478
2Rs. 3,71,372Rs. 15,86,072Rs. 1,74,19,106
3Rs. 4,06,209Rs. 15,51,235Rs. 1,70,12,897
4Rs. 4,44,314Rs. 15,13,129Rs. 1,65,68,582
5Rs. 4,85,994Rs. 14,71,450Rs. 1,60,82,588
6Rs. 5,31,584Rs. 14,25,860Rs. 1,55,51,004
7Rs. 5,81,450Rs. 13,75,994Rs. 1,49,69,554
8Rs. 6,35,994Rs. 13,21,450Rs. 1,43,33,560
9Rs. 6,95,655Rs. 12,61,789Rs. 1,36,37,906
10Rs. 7,60,912Rs. 11,96,532Rs. 1,28,76,994
11Rs. 8,32,291Rs. 11,25,153Rs. 1,20,44,703
12Rs. 9,10,365Rs. 10,47,079Rs. 1,11,34,338
13Rs. 9,95,764Rs. 9,61,680Rs. 1,01,38,574
14Rs. 10,89,173Rs. 8,68,271Rs. 90,49,401
15Rs. 11,91,345Rs. 7,66,099Rs. 78,58,056
16Rs. 13,03,102Rs. 6,54,342Rs. 65,54,954
17Rs. 14,25,342Rs. 5,32,102Rs. 51,29,613
18Rs. 15,59,048Rs. 3,98,395Rs. 35,70,564
19Rs. 17,05,298Rs. 2,52,146Rs. 18,65,267
20Rs. 18,65,267Rs. 92,177Rs. 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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