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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. 1,80,754.94

Total repaid
Rs. 4,33,81,187
Total interest
Rs. 2,32,91,187
Time to repay
20.0 years

Where your money goes

  • Loan amount (principal): Rs. 2,00,90,000 (46%)
  • Interest: Rs. 2,32,91,187 (54%)
What you'd still owe, year by year
02 Cr4 Cr6 Cr05101520
Show as table
YearStill to pay (with interest)Loan balance
0Rs. 4,33,81,187Rs. 2,00,90,000
1Rs. 4,12,12,127Rs. 1,97,13,773
2Rs. 3,90,43,068Rs. 1,93,02,252
3Rs. 3,68,74,009Rs. 1,88,52,129
4Rs. 3,47,04,949Rs. 1,83,59,780
5Rs. 3,25,35,890Rs. 1,78,21,246
6Rs. 3,03,66,831Rs. 1,72,32,194
7Rs. 2,81,97,771Rs. 1,65,87,884
8Rs. 2,60,28,712Rs. 1,58,83,134
9Rs. 2,38,59,653Rs. 1,51,12,274
10Rs. 2,16,90,593Rs. 1,42,69,101
11Rs. 1,95,21,534Rs. 1,33,46,833
12Rs. 1,73,52,475Rs. 1,23,38,050
13Rs. 1,51,83,415Rs. 1,12,34,636
14Rs. 1,30,14,356Rs. 1,00,27,715
15Rs. 1,08,45,297Rs. 87,07,575
16Rs. 86,76,237Rs. 72,63,598
17Rs. 65,07,178Rs. 56,84,166
18Rs. 43,38,119Rs. 39,56,571
19Rs. 21,69,059Rs. 20,66,917
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. 3,76,228Rs. 17,92,832Rs. 1,97,13,773
2Rs. 4,11,520Rs. 17,57,539Rs. 1,93,02,252
3Rs. 4,50,124Rs. 17,18,936Rs. 1,88,52,129
4Rs. 4,92,348Rs. 16,76,711Rs. 1,83,59,780
5Rs. 5,38,534Rs. 16,30,525Rs. 1,78,21,246
6Rs. 5,89,052Rs. 15,80,007Rs. 1,72,32,194
7Rs. 6,44,309Rs. 15,24,750Rs. 1,65,87,884
8Rs. 7,04,750Rs. 14,64,309Rs. 1,58,83,134
9Rs. 7,70,861Rs. 13,98,199Rs. 1,51,12,274
10Rs. 8,43,173Rs. 13,25,887Rs. 1,42,69,101
11Rs. 9,22,268Rs. 12,46,791Rs. 1,33,46,833
12Rs. 10,08,783Rs. 11,60,276Rs. 1,23,38,050
13Rs. 11,03,414Rs. 10,65,645Rs. 1,12,34,636
14Rs. 12,06,922Rs. 9,62,138Rs. 1,00,27,715
15Rs. 13,20,139Rs. 8,48,920Rs. 87,07,575
16Rs. 14,43,977Rs. 7,25,082Rs. 72,63,598
17Rs. 15,79,432Rs. 5,89,627Rs. 56,84,166
18Rs. 17,27,594Rs. 4,41,465Rs. 39,56,571
19Rs. 18,89,654Rs. 2,79,405Rs. 20,66,917
20Rs. 20,66,917Rs. 1,02,142Rs. 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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