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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. 1,78,235.71

Total repaid
Rs. 4,27,76,571
Total interest
Rs. 2,29,66,571
Time to repay
20.0 years

Where your money goes

  • Loan amount (principal): Rs. 1,98,10,000 (46%)
  • Interest: Rs. 2,29,66,571 (54%)
What you'd still owe, year by year
02 Cr4 Cr6 Cr05101520
Show as table
YearStill to pay (with interest)Loan balance
0Rs. 4,27,76,571Rs. 1,98,10,000
1Rs. 4,06,37,742Rs. 1,94,39,016
2Rs. 3,84,98,914Rs. 1,90,33,231
3Rs. 3,63,60,085Rs. 1,85,89,381
4Rs. 3,42,21,257Rs. 1,81,03,895
5Rs. 3,20,82,428Rs. 1,75,72,866
6Rs. 2,99,43,600Rs. 1,69,92,024
7Rs. 2,78,04,771Rs. 1,63,56,694
8Rs. 2,56,65,943Rs. 1,56,61,767
9Rs. 2,35,27,114Rs. 1,49,01,650
10Rs. 2,13,88,285Rs. 1,40,70,229
11Rs. 1,92,49,457Rs. 1,31,60,815
12Rs. 1,71,10,628Rs. 1,21,66,091
13Rs. 1,49,71,800Rs. 1,10,78,056
14Rs. 1,28,32,971Rs. 98,87,956
15Rs. 1,06,94,143Rs. 85,86,216
16Rs. 85,55,314Rs. 71,62,363
17Rs. 64,16,486Rs. 56,04,944
18Rs. 42,77,657Rs. 39,01,428
19Rs. 21,38,829Rs. 20,38,110
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. 3,70,984Rs. 17,67,845Rs. 1,94,39,016
2Rs. 4,05,785Rs. 17,33,044Rs. 1,90,33,231
3Rs. 4,43,850Rs. 16,94,978Rs. 1,85,89,381
4Rs. 4,85,486Rs. 16,53,342Rs. 1,81,03,895
5Rs. 5,31,028Rs. 16,07,800Rs. 1,75,72,866
6Rs. 5,80,842Rs. 15,57,986Rs. 1,69,92,024
7Rs. 6,35,330Rs. 15,03,499Rs. 1,63,56,694
8Rs. 6,94,928Rs. 14,43,901Rs. 1,56,61,767
9Rs. 7,60,117Rs. 13,78,712Rs. 1,49,01,650
10Rs. 8,31,421Rs. 13,07,408Rs. 1,40,70,229
11Rs. 9,09,414Rs. 12,29,415Rs. 1,31,60,815
12Rs. 9,94,723Rs. 11,44,105Rs. 1,21,66,091
13Rs. 10,88,035Rs. 10,50,793Rs. 1,10,78,056
14Rs. 11,90,100Rs. 9,48,728Rs. 98,87,956
15Rs. 13,01,740Rs. 8,37,088Rs. 85,86,216
16Rs. 14,23,852Rs. 7,14,976Rs. 71,62,363
17Rs. 15,57,419Rs. 5,81,409Rs. 56,04,944
18Rs. 17,03,516Rs. 4,35,312Rs. 39,01,428
19Rs. 18,63,318Rs. 2,75,511Rs. 20,38,110
20Rs. 20,38,110Rs. 1,00,719Rs. 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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