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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. 1,71,307.82

Total repaid
Rs. 4,11,13,877
Total interest
Rs. 2,20,73,877
Time to repay
20.0 years

Where your money goes

  • Loan amount (principal): Rs. 1,90,40,000 (46%)
  • Interest: Rs. 2,20,73,877 (54%)
What you'd still owe, year by year
02 Cr4 Cr6 Cr05101520
Show as table
YearStill to pay (with interest)Loan balance
0Rs. 4,11,13,877Rs. 1,90,40,000
1Rs. 3,90,58,183Rs. 1,86,83,436
2Rs. 3,70,02,490Rs. 1,82,93,424
3Rs. 3,49,46,796Rs. 1,78,66,826
4Rs. 3,28,91,102Rs. 1,74,00,210
5Rs. 3,08,35,408Rs. 1,68,89,822
6Rs. 2,87,79,714Rs. 1,63,31,557
7Rs. 2,67,24,020Rs. 1,57,20,922
8Rs. 2,46,68,326Rs. 1,50,53,005
9Rs. 2,26,12,633Rs. 1,43,22,434
10Rs. 2,05,56,939Rs. 1,35,23,329
11Rs. 1,85,01,245Rs. 1,26,49,264
12Rs. 1,64,45,551Rs. 1,16,93,204
13Rs. 1,43,89,857Rs. 1,06,47,460
14Rs. 1,23,34,163Rs. 95,03,618
15Rs. 1,02,78,469Rs. 82,52,476
16Rs. 82,22,775Rs. 68,83,967
17Rs. 61,67,082Rs. 53,87,084
18Rs. 41,11,388Rs. 37,49,782
19Rs. 20,55,694Rs. 19,58,890
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. 3,56,564Rs. 16,99,130Rs. 1,86,83,436
2Rs. 3,90,012Rs. 16,65,682Rs. 1,82,93,424
3Rs. 4,26,598Rs. 16,29,096Rs. 1,78,66,826
4Rs. 4,66,616Rs. 15,89,078Rs. 1,74,00,210
5Rs. 5,10,388Rs. 15,45,306Rs. 1,68,89,822
6Rs. 5,58,266Rs. 14,97,428Rs. 1,63,31,557
7Rs. 6,10,635Rs. 14,45,059Rs. 1,57,20,922
8Rs. 6,67,916Rs. 13,87,777Rs. 1,50,53,005
9Rs. 7,30,572Rs. 13,25,122Rs. 1,43,22,434
10Rs. 7,99,104Rs. 12,56,590Rs. 1,35,23,329
11Rs. 8,74,066Rs. 11,81,628Rs. 1,26,49,264
12Rs. 9,56,059Rs. 10,99,635Rs. 1,16,93,204
13Rs. 10,45,744Rs. 10,09,950Rs. 1,06,47,460
14Rs. 11,43,842Rs. 9,11,852Rs. 95,03,618
15Rs. 12,51,142Rs. 8,04,551Rs. 82,52,476
16Rs. 13,68,508Rs. 6,87,186Rs. 68,83,967
17Rs. 14,96,884Rs. 5,58,810Rs. 53,87,084
18Rs. 16,37,302Rs. 4,18,392Rs. 37,49,782
19Rs. 17,90,892Rs. 2,64,802Rs. 19,58,890
20Rs. 19,58,890Rs. 96,804Rs. 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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