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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. 1,70,048.21

Total repaid
Rs. 4,08,11,569
Total interest
Rs. 2,19,11,569
Time to repay
20.0 years

Where your money goes

  • Loan amount (principal): Rs. 1,89,00,000 (46%)
  • Interest: Rs. 2,19,11,569 (54%)
What you'd still owe, year by year
02 Cr4 Cr6 Cr05101520
Show as table
YearStill to pay (with interest)Loan balance
0Rs. 4,08,11,569Rs. 1,89,00,000
1Rs. 3,87,70,991Rs. 1,85,46,058
2Rs. 3,67,30,412Rs. 1,81,58,913
3Rs. 3,46,89,834Rs. 1,77,35,452
4Rs. 3,26,49,255Rs. 1,72,72,267
5Rs. 3,06,08,677Rs. 1,67,65,632
6Rs. 2,85,68,099Rs. 1,62,11,472
7Rs. 2,65,27,520Rs. 1,56,05,327
8Rs. 2,44,86,942Rs. 1,49,42,322
9Rs. 2,24,46,363Rs. 1,42,17,122
10Rs. 2,04,05,785Rs. 1,34,23,893
11Rs. 1,83,65,206Rs. 1,25,56,254
12Rs. 1,63,24,628Rs. 1,16,07,225
13Rs. 1,42,84,049Rs. 1,05,69,170
14Rs. 1,22,43,471Rs. 94,33,739
15Rs. 1,02,02,892Rs. 81,91,796
16Rs. 81,62,314Rs. 68,33,350
17Rs. 61,21,735Rs. 53,47,473
18Rs. 40,81,157Rs. 37,22,210
19Rs. 20,40,578Rs. 19,44,486
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. 3,53,942Rs. 16,86,636Rs. 1,85,46,058
2Rs. 3,87,144Rs. 16,53,434Rs. 1,81,58,913
3Rs. 4,23,461Rs. 16,17,117Rs. 1,77,35,452
4Rs. 4,63,185Rs. 15,77,394Rs. 1,72,72,267
5Rs. 5,06,635Rs. 15,33,944Rs. 1,67,65,632
6Rs. 5,54,161Rs. 14,86,418Rs. 1,62,11,472
7Rs. 6,06,145Rs. 14,34,434Rs. 1,56,05,327
8Rs. 6,63,005Rs. 13,77,573Rs. 1,49,42,322
9Rs. 7,25,200Rs. 13,15,379Rs. 1,42,17,122
10Rs. 7,93,229Rs. 12,47,350Rs. 1,34,23,893
11Rs. 8,67,639Rs. 11,72,940Rs. 1,25,56,254
12Rs. 9,49,029Rs. 10,91,549Rs. 1,16,07,225
13Rs. 10,38,055Rs. 10,02,524Rs. 1,05,69,170
14Rs. 11,35,432Rs. 9,05,147Rs. 94,33,739
15Rs. 12,41,943Rs. 7,98,636Rs. 81,91,796
16Rs. 13,58,446Rs. 6,82,133Rs. 68,33,350
17Rs. 14,85,877Rs. 5,54,701Rs. 53,47,473
18Rs. 16,25,263Rs. 4,15,316Rs. 37,22,210
19Rs. 17,77,724Rs. 2,62,855Rs. 19,44,486
20Rs. 19,44,486Rs. 96,092Rs. 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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