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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. 1,71,937.63

Total repaid
Rs. 4,12,65,031
Total interest
Rs. 2,21,55,031
Time to repay
20.0 years

Where your money goes

  • Loan amount (principal): Rs. 1,91,10,000 (46%)
  • Interest: Rs. 2,21,55,031 (54%)
What you'd still owe, year by year
02 Cr4 Cr6 Cr05101520
Show as table
YearStill to pay (with interest)Loan balance
0Rs. 4,12,65,031Rs. 1,91,10,000
1Rs. 3,92,01,780Rs. 1,87,52,125
2Rs. 3,71,38,528Rs. 1,83,60,679
3Rs. 3,50,75,277Rs. 1,79,32,513
4Rs. 3,30,12,025Rs. 1,74,64,181
5Rs. 3,09,48,773Rs. 1,69,51,917
6Rs. 2,88,85,522Rs. 1,63,91,599
7Rs. 2,68,22,270Rs. 1,57,78,719
8Rs. 2,47,59,019Rs. 1,51,08,347
9Rs. 2,26,95,767Rs. 1,43,75,090
10Rs. 2,06,32,516Rs. 1,35,73,048
11Rs. 1,85,69,264Rs. 1,26,95,768
12Rs. 1,65,06,013Rs. 1,17,36,194
13Rs. 1,44,42,761Rs. 1,06,86,605
14Rs. 1,23,79,509Rs. 95,38,558
15Rs. 1,03,16,258Rs. 82,82,816
16Rs. 82,53,006Rs. 69,09,276
17Rs. 61,89,755Rs. 54,06,889
18Rs. 41,26,503Rs. 37,63,568
19Rs. 20,63,252Rs. 19,66,092
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. 3,57,875Rs. 17,05,377Rs. 1,87,52,125
2Rs. 3,91,446Rs. 16,71,805Rs. 1,83,60,679
3Rs. 4,28,166Rs. 16,35,085Rs. 1,79,32,513
4Rs. 4,68,331Rs. 15,94,920Rs. 1,74,64,181
5Rs. 5,12,264Rs. 15,50,987Rs. 1,69,51,917
6Rs. 5,60,318Rs. 15,02,934Rs. 1,63,91,599
7Rs. 6,12,880Rs. 14,50,372Rs. 1,57,78,719
8Rs. 6,70,372Rs. 13,92,880Rs. 1,51,08,347
9Rs. 7,33,258Rs. 13,29,994Rs. 1,43,75,090
10Rs. 8,02,042Rs. 12,61,209Rs. 1,35,73,048
11Rs. 8,77,279Rs. 11,85,972Rs. 1,26,95,768
12Rs. 9,59,574Rs. 11,03,677Rs. 1,17,36,194
13Rs. 10,49,589Rs. 10,13,663Rs. 1,06,86,605
14Rs. 11,48,047Rs. 9,15,204Rs. 95,38,558
15Rs. 12,55,742Rs. 8,07,509Rs. 82,82,816
16Rs. 13,73,540Rs. 6,89,712Rs. 69,09,276
17Rs. 15,02,387Rs. 5,60,865Rs. 54,06,889
18Rs. 16,43,321Rs. 4,19,930Rs. 37,63,568
19Rs. 17,97,476Rs. 2,65,775Rs. 19,66,092
20Rs. 19,66,092Rs. 97,160Rs. 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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