Skip to content
Sign in

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. 1,81,384.75

Total repaid
Rs. 4,35,32,341
Total interest
Rs. 2,33,72,341
Time to repay
20.0 years

Where your money goes

  • Loan amount (principal): Rs. 2,01,60,000 (46%)
  • Interest: Rs. 2,33,72,341 (54%)
What you'd still owe, year by year
02 Cr4 Cr6 Cr05101520
Show as table
YearStill to pay (with interest)Loan balance
0Rs. 4,35,32,341Rs. 2,01,60,000
1Rs. 4,13,55,724Rs. 1,97,82,462
2Rs. 3,91,79,107Rs. 1,93,69,507
3Rs. 3,70,02,490Rs. 1,89,17,815
4Rs. 3,48,25,873Rs. 1,84,23,752
5Rs. 3,26,49,255Rs. 1,78,83,341
6Rs. 3,04,72,638Rs. 1,72,92,236
7Rs. 2,82,96,021Rs. 1,66,45,682
8Rs. 2,61,19,404Rs. 1,59,38,476
9Rs. 2,39,42,787Rs. 1,51,64,930
10Rs. 2,17,66,170Rs. 1,43,18,819
11Rs. 1,95,89,553Rs. 1,33,93,338
12Rs. 1,74,12,936Rs. 1,23,81,040
13Rs. 1,52,36,319Rs. 1,12,73,781
14Rs. 1,30,59,702Rs. 1,00,62,655
15Rs. 1,08,83,085Rs. 87,37,915
16Rs. 87,06,468Rs. 72,88,907
17Rs. 65,29,851Rs. 57,03,971
18Rs. 43,53,234Rs. 39,70,357
19Rs. 21,76,617Rs. 20,74,119
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. 3,77,538Rs. 17,99,079Rs. 1,97,82,462
2Rs. 4,12,954Rs. 17,63,663Rs. 1,93,69,507
3Rs. 4,51,692Rs. 17,24,925Rs. 1,89,17,815
4Rs. 4,94,064Rs. 16,82,553Rs. 1,84,23,752
5Rs. 5,40,410Rs. 16,36,207Rs. 1,78,83,341
6Rs. 5,91,105Rs. 15,85,512Rs. 1,72,92,236
7Rs. 6,46,554Rs. 15,30,063Rs. 1,66,45,682
8Rs. 7,07,206Rs. 14,69,411Rs. 1,59,38,476
9Rs. 7,73,546Rs. 14,03,071Rs. 1,51,64,930
10Rs. 8,46,110Rs. 13,30,507Rs. 1,43,18,819
11Rs. 9,25,481Rs. 12,51,136Rs. 1,33,93,338
12Rs. 10,12,298Rs. 11,64,319Rs. 1,23,81,040
13Rs. 11,07,259Rs. 10,69,359Rs. 1,12,73,781
14Rs. 12,11,127Rs. 9,65,490Rs. 1,00,62,655
15Rs. 13,24,739Rs. 8,51,878Rs. 87,37,915
16Rs. 14,49,009Rs. 7,27,608Rs. 72,88,907
17Rs. 15,84,936Rs. 5,91,681Rs. 57,03,971
18Rs. 17,33,614Rs. 4,43,003Rs. 39,70,357
19Rs. 18,96,239Rs. 2,80,378Rs. 20,74,119
20Rs. 20,74,119Rs. 1,02,498Rs. 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.

More calculators