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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. 1,78,865.52

Total repaid
Rs. 4,29,27,725
Total interest
Rs. 2,30,47,725
Time to repay
20.0 years

Where your money goes

  • Loan amount (principal): Rs. 1,98,80,000 (46%)
  • Interest: Rs. 2,30,47,725 (54%)
What you'd still owe, year by year
02 Cr4 Cr6 Cr05101520
Show as table
YearStill to pay (with interest)Loan balance
0Rs. 4,29,27,725Rs. 1,98,80,000
1Rs. 4,07,81,339Rs. 1,95,07,705
2Rs. 3,86,34,952Rs. 1,91,00,487
3Rs. 3,64,88,566Rs. 1,86,55,068
4Rs. 3,43,42,180Rs. 1,81,67,866
5Rs. 3,21,95,794Rs. 1,76,34,961
6Rs. 3,00,49,407Rs. 1,70,52,066
7Rs. 2,79,03,021Rs. 1,64,14,492
8Rs. 2,57,56,635Rs. 1,57,17,109
9Rs. 2,36,10,249Rs. 1,49,54,306
10Rs. 2,14,63,862Rs. 1,41,19,947
11Rs. 1,93,17,476Rs. 1,32,07,319
12Rs. 1,71,71,090Rs. 1,22,09,081
13Rs. 1,50,24,704Rs. 1,11,17,201
14Rs. 1,28,78,317Rs. 99,22,895
15Rs. 1,07,31,931Rs. 86,16,556
16Rs. 85,85,545Rs. 71,87,672
17Rs. 64,39,159Rs. 56,24,749
18Rs. 42,92,772Rs. 39,15,214
19Rs. 21,46,386Rs. 20,45,312
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. 3,72,295Rs. 17,74,091Rs. 1,95,07,705
2Rs. 4,07,219Rs. 17,39,168Rs. 1,91,00,487
3Rs. 4,45,419Rs. 17,00,968Rs. 1,86,55,068
4Rs. 4,87,202Rs. 16,59,184Rs. 1,81,67,866
5Rs. 5,32,905Rs. 16,13,481Rs. 1,76,34,961
6Rs. 5,82,895Rs. 15,63,491Rs. 1,70,52,066
7Rs. 6,37,574Rs. 15,08,812Rs. 1,64,14,492
8Rs. 6,97,383Rs. 14,49,003Rs. 1,57,17,109
9Rs. 7,62,803Rs. 13,83,584Rs. 1,49,54,306
10Rs. 8,34,359Rs. 13,12,027Rs. 1,41,19,947
11Rs. 9,12,628Rs. 12,33,759Rs. 1,32,07,319
12Rs. 9,98,238Rs. 11,48,148Rs. 1,22,09,081
13Rs. 10,91,880Rs. 10,54,506Rs. 1,11,17,201
14Rs. 11,94,306Rs. 9,52,080Rs. 99,22,895
15Rs. 13,06,340Rs. 8,40,046Rs. 86,16,556
16Rs. 14,28,884Rs. 7,17,503Rs. 71,87,672
17Rs. 15,62,923Rs. 5,83,464Rs. 56,24,749
18Rs. 17,09,536Rs. 4,36,851Rs. 39,15,214
19Rs. 18,69,902Rs. 2,76,484Rs. 20,45,312
20Rs. 20,45,312Rs. 1,01,075Rs. 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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