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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. 1,66,899.16

Total repaid
Rs. 4,00,55,800
Total interest
Rs. 2,15,05,800
Time to repay
20.0 years

Where your money goes

  • Loan amount (principal): Rs. 1,85,50,000 (46%)
  • Interest: Rs. 2,15,05,800 (54%)
What you'd still owe, year by year
02 Cr4 Cr6 Cr05101520
Show as table
YearStill to pay (with interest)Loan balance
0Rs. 4,00,55,800Rs. 1,85,50,000
1Rs. 3,80,53,010Rs. 1,82,02,612
2Rs. 3,60,50,220Rs. 1,78,22,637
3Rs. 3,40,47,430Rs. 1,74,07,018
4Rs. 3,20,44,640Rs. 1,69,52,410
5Rs. 3,00,41,850Rs. 1,64,55,158
6Rs. 2,80,39,060Rs. 1,59,11,259
7Rs. 2,60,36,270Rs. 1,53,16,339
8Rs. 2,40,33,480Rs. 1,46,65,612
9Rs. 2,20,30,690Rs. 1,39,53,842
10Rs. 2,00,27,900Rs. 1,31,75,303
11Rs. 1,80,25,110Rs. 1,23,23,731
12Rs. 1,60,22,320Rs. 1,13,92,276
13Rs. 1,40,19,530Rs. 1,03,73,445
14Rs. 1,20,16,740Rs. 92,59,040
15Rs. 1,00,13,950Rs. 80,40,096
16Rs. 80,11,160Rs. 67,06,807
17Rs. 60,08,370Rs. 52,48,446
18Rs. 40,05,580Rs. 36,53,280
19Rs. 20,02,790Rs. 19,08,477
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. 3,47,388Rs. 16,55,402Rs. 1,82,02,612
2Rs. 3,79,975Rs. 16,22,815Rs. 1,78,22,637
3Rs. 4,15,619Rs. 15,87,171Rs. 1,74,07,018
4Rs. 4,54,607Rs. 15,48,183Rs. 1,69,52,410
5Rs. 4,97,253Rs. 15,05,537Rs. 1,64,55,158
6Rs. 5,43,898Rs. 14,58,892Rs. 1,59,11,259
7Rs. 5,94,920Rs. 14,07,870Rs. 1,53,16,339
8Rs. 6,50,727Rs. 13,52,063Rs. 1,46,65,612
9Rs. 7,11,770Rs. 12,91,020Rs. 1,39,53,842
10Rs. 7,78,539Rs. 12,24,251Rs. 1,31,75,303
11Rs. 8,51,571Rs. 11,51,219Rs. 1,23,23,731
12Rs. 9,31,455Rs. 10,71,335Rs. 1,13,92,276
13Rs. 10,18,832Rs. 9,83,958Rs. 1,03,73,445
14Rs. 11,14,405Rs. 8,88,385Rs. 92,59,040
15Rs. 12,18,944Rs. 7,83,846Rs. 80,40,096
16Rs. 13,33,289Rs. 6,69,501Rs. 67,06,807
17Rs. 14,58,361Rs. 5,44,429Rs. 52,48,446
18Rs. 15,95,165Rs. 4,07,625Rs. 36,53,280
19Rs. 17,44,803Rs. 2,57,987Rs. 19,08,477
20Rs. 19,08,477Rs. 94,313Rs. 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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