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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. 1,82,014.56

Total repaid
Rs. 4,36,83,495
Total interest
Rs. 2,34,53,495
Time to repay
20.0 years

Where your money goes

  • Loan amount (principal): Rs. 2,02,30,000 (46%)
  • Interest: Rs. 2,34,53,495 (54%)
What you'd still owe, year by year
02 Cr4 Cr6 Cr05101520
Show as table
YearStill to pay (with interest)Loan balance
0Rs. 4,36,83,495Rs. 2,02,30,000
1Rs. 4,14,99,320Rs. 1,98,51,151
2Rs. 3,93,15,145Rs. 1,94,36,763
3Rs. 3,71,30,970Rs. 1,89,83,502
4Rs. 3,49,46,796Rs. 1,84,87,723
5Rs. 3,27,62,621Rs. 1,79,45,436
6Rs. 3,05,78,446Rs. 1,73,52,279
7Rs. 2,83,94,272Rs. 1,67,03,479
8Rs. 2,62,10,097Rs. 1,59,93,818
9Rs. 2,40,25,922Rs. 1,52,17,586
10Rs. 2,18,41,747Rs. 1,43,68,538
11Rs. 1,96,57,573Rs. 1,34,39,843
12Rs. 1,74,73,398Rs. 1,24,24,030
13Rs. 1,52,89,223Rs. 1,13,12,927
14Rs. 1,31,05,048Rs. 1,00,97,594
15Rs. 1,09,20,874Rs. 87,68,255
16Rs. 87,36,699Rs. 73,14,215
17Rs. 65,52,524Rs. 57,23,776
18Rs. 43,68,349Rs. 39,84,143
19Rs. 21,84,175Rs. 20,81,321
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. 3,78,849Rs. 18,05,325Rs. 1,98,51,151
2Rs. 4,14,388Rs. 17,69,787Rs. 1,94,36,763
3Rs. 4,53,260Rs. 17,30,914Rs. 1,89,83,502
4Rs. 4,95,779Rs. 16,88,395Rs. 1,84,87,723
5Rs. 5,42,287Rs. 16,41,888Rs. 1,79,45,436
6Rs. 5,93,157Rs. 15,91,018Rs. 1,73,52,279
7Rs. 6,48,799Rs. 15,35,375Rs. 1,67,03,479
8Rs. 7,09,661Rs. 14,74,513Rs. 1,59,93,818
9Rs. 7,76,232Rs. 14,07,942Rs. 1,52,17,586
10Rs. 8,49,048Rs. 13,35,126Rs. 1,43,68,538
11Rs. 9,28,695Rs. 12,55,480Rs. 1,34,39,843
12Rs. 10,15,813Rs. 11,68,362Rs. 1,24,24,030
13Rs. 11,11,103Rs. 10,73,072Rs. 1,13,12,927
14Rs. 12,15,332Rs. 9,68,842Rs. 1,00,97,594
15Rs. 13,29,339Rs. 8,54,836Rs. 87,68,255
16Rs. 14,54,040Rs. 7,30,135Rs. 73,14,215
17Rs. 15,90,439Rs. 5,93,736Rs. 57,23,776
18Rs. 17,39,633Rs. 4,44,542Rs. 39,84,143
19Rs. 19,02,823Rs. 2,81,352Rs. 20,81,321
20Rs. 20,81,321Rs. 1,02,854Rs. 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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