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. 1,85,163.60

Total repaid
Rs. 4,44,39,264
Total interest
Rs. 2,38,59,264
Time to repay
20.0 years

Where your money goes

  • Loan amount (principal): Rs. 2,05,80,000 (46%)
  • Interest: Rs. 2,38,59,264 (54%)
What you'd still owe, year by year
02 Cr4 Cr6 Cr05101520
Show as table
YearStill to pay (with interest)Loan balance
0Rs. 4,44,39,264Rs. 2,05,80,000
1Rs. 4,22,17,301Rs. 2,01,94,596
2Rs. 3,99,95,338Rs. 1,97,73,039
3Rs. 3,77,73,375Rs. 1,93,11,937
4Rs. 3,55,51,412Rs. 1,88,07,580
5Rs. 3,33,29,448Rs. 1,82,55,911
6Rs. 3,11,07,485Rs. 1,76,52,491
7Rs. 2,88,85,522Rs. 1,69,92,467
8Rs. 2,66,63,559Rs. 1,62,70,528
9Rs. 2,44,41,595Rs. 1,54,80,866
10Rs. 2,22,19,632Rs. 1,46,17,128
11Rs. 1,99,97,669Rs. 1,36,72,366
12Rs. 1,77,75,706Rs. 1,26,38,978
13Rs. 1,55,53,743Rs. 1,15,08,652
14Rs. 1,33,31,779Rs. 1,02,72,293
15Rs. 1,11,09,816Rs. 89,19,955
16Rs. 88,87,853Rs. 74,40,759
17Rs. 66,65,890Rs. 58,22,804
18Rs. 44,43,926Rs. 40,53,073
19Rs. 22,21,963Rs. 21,17,330
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. 3,85,404Rs. 18,36,559Rs. 2,01,94,596
2Rs. 4,21,557Rs. 18,00,406Rs. 1,97,73,039
3Rs. 4,61,102Rs. 17,60,861Rs. 1,93,11,937
4Rs. 5,04,357Rs. 17,17,606Rs. 1,88,07,580
5Rs. 5,51,669Rs. 16,70,294Rs. 1,82,55,911
6Rs. 6,03,419Rs. 16,18,544Rs. 1,76,52,491
7Rs. 6,60,024Rs. 15,61,939Rs. 1,69,92,467
8Rs. 7,21,939Rs. 15,00,024Rs. 1,62,70,528
9Rs. 7,89,662Rs. 14,32,301Rs. 1,54,80,866
10Rs. 8,63,738Rs. 13,58,225Rs. 1,46,17,128
11Rs. 9,44,762Rs. 12,77,201Rs. 1,36,72,366
12Rs. 10,33,388Rs. 11,88,576Rs. 1,26,38,978
13Rs. 11,30,326Rs. 10,91,637Rs. 1,15,08,652
14Rs. 12,36,359Rs. 9,85,604Rs. 1,02,72,293
15Rs. 13,52,338Rs. 8,69,625Rs. 89,19,955
16Rs. 14,79,196Rs. 7,42,767Rs. 74,40,759
17Rs. 16,17,955Rs. 6,04,008Rs. 58,22,804
18Rs. 17,69,731Rs. 4,52,233Rs. 40,53,073
19Rs. 19,35,744Rs. 2,86,220Rs. 21,17,330
20Rs. 21,17,330Rs. 1,04,634Rs. 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