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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. 1,64,379.93

Total repaid
Rs. 3,94,51,184
Total interest
Rs. 2,11,81,184
Time to repay
20.0 years

Where your money goes

  • Loan amount (principal): Rs. 1,82,70,000 (46%)
  • Interest: Rs. 2,11,81,184 (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. 3,94,51,184Rs. 1,82,70,000
1Rs. 3,74,78,625Rs. 1,79,27,856
2Rs. 3,55,06,065Rs. 1,75,53,616
3Rs. 3,35,33,506Rs. 1,71,44,270
4Rs. 3,15,60,947Rs. 1,66,96,525
5Rs. 2,95,88,388Rs. 1,62,06,778
6Rs. 2,76,15,829Rs. 1,56,71,089
7Rs. 2,56,43,269Rs. 1,50,85,149
8Rs. 2,36,70,710Rs. 1,44,44,244
9Rs. 2,16,98,151Rs. 1,37,43,218
10Rs. 1,97,25,592Rs. 1,29,76,430
11Rs. 1,77,53,033Rs. 1,21,37,713
12Rs. 1,57,80,473Rs. 1,12,20,318
13Rs. 1,38,07,914Rs. 1,02,16,864
14Rs. 1,18,35,355Rs. 91,19,281
15Rs. 98,62,796Rs. 79,18,736
16Rs. 78,90,237Rs. 66,05,572
17Rs. 59,17,678Rs. 51,69,224
18Rs. 39,45,118Rs. 35,98,136
19Rs. 19,72,559Rs. 18,79,670
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. 3,42,144Rs. 16,30,415Rs. 1,79,27,856
2Rs. 3,74,240Rs. 15,98,320Rs. 1,75,53,616
3Rs. 4,09,346Rs. 15,63,213Rs. 1,71,44,270
4Rs. 4,47,745Rs. 15,24,814Rs. 1,66,96,525
5Rs. 4,89,747Rs. 14,82,812Rs. 1,62,06,778
6Rs. 5,35,689Rs. 14,36,871Rs. 1,56,71,089
7Rs. 5,85,940Rs. 13,86,619Rs. 1,50,85,149
8Rs. 6,40,905Rs. 13,31,654Rs. 1,44,44,244
9Rs. 7,01,026Rs. 12,71,533Rs. 1,37,43,218
10Rs. 7,66,788Rs. 12,05,772Rs. 1,29,76,430
11Rs. 8,38,718Rs. 11,33,842Rs. 1,21,37,713
12Rs. 9,17,395Rs. 10,55,164Rs. 1,12,20,318
13Rs. 10,03,453Rs. 9,69,106Rs. 1,02,16,864
14Rs. 10,97,584Rs. 8,74,975Rs. 91,19,281
15Rs. 12,00,545Rs. 7,72,014Rs. 79,18,736
16Rs. 13,13,164Rs. 6,59,395Rs. 66,05,572
17Rs. 14,36,348Rs. 5,36,211Rs. 51,69,224
18Rs. 15,71,087Rs. 4,01,472Rs. 35,98,136
19Rs. 17,18,466Rs. 2,54,093Rs. 18,79,670
20Rs. 18,79,670Rs. 92,889Rs. 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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