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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. 1,88,312.64

Total repaid
Rs. 4,51,95,034
Total interest
Rs. 2,42,65,034
Time to repay
20.0 years

Where your money goes

  • Loan amount (principal): Rs. 2,09,30,000 (46%)
  • Interest: Rs. 2,42,65,034 (54%)
What you'd still owe, year by year
02 Cr4 Cr6 Cr05101520
Show as table
YearStill to pay (with interest)Loan balance
0Rs. 4,51,95,034Rs. 2,09,30,000
1Rs. 4,29,35,283Rs. 2,05,38,042
2Rs. 4,06,75,531Rs. 2,01,09,315
3Rs. 3,84,15,779Rs. 1,96,40,371
4Rs. 3,61,56,027Rs. 1,91,27,437
5Rs. 3,38,96,276Rs. 1,85,66,385
6Rs. 3,16,36,524Rs. 1,79,52,704
7Rs. 2,93,76,772Rs. 1,72,81,455
8Rs. 2,71,17,021Rs. 1,65,47,238
9Rs. 2,48,57,269Rs. 1,57,44,146
10Rs. 2,25,97,517Rs. 1,48,65,719
11Rs. 2,03,37,765Rs. 1,39,04,889
12Rs. 1,80,78,014Rs. 1,28,53,927
13Rs. 1,58,18,262Rs. 1,17,04,377
14Rs. 1,35,58,510Rs. 1,04,46,992
15Rs. 1,12,98,759Rs. 90,71,655
16Rs. 90,39,007Rs. 75,67,302
17Rs. 67,79,255Rs. 59,21,831
18Rs. 45,19,503Rs. 41,22,003
19Rs. 22,59,752Rs. 21,53,339
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. 3,91,958Rs. 18,67,793Rs. 2,05,38,042
2Rs. 4,28,727Rs. 18,31,025Rs. 2,01,09,315
3Rs. 4,68,944Rs. 17,90,808Rs. 1,96,40,371
4Rs. 5,12,934Rs. 17,46,817Rs. 1,91,27,437
5Rs. 5,61,051Rs. 16,98,701Rs. 1,85,66,385
6Rs. 6,13,682Rs. 16,46,070Rs. 1,79,52,704
7Rs. 6,71,249Rs. 15,88,503Rs. 1,72,81,455
8Rs. 7,34,217Rs. 15,25,535Rs. 1,65,47,238
9Rs. 8,03,092Rs. 14,56,660Rs. 1,57,44,146
10Rs. 8,78,427Rs. 13,81,325Rs. 1,48,65,719
11Rs. 9,60,830Rs. 12,98,922Rs. 1,39,04,889
12Rs. 10,50,962Rs. 12,08,790Rs. 1,28,53,927
13Rs. 11,49,550Rs. 11,10,202Rs. 1,17,04,377
14Rs. 12,57,385Rs. 10,02,366Rs. 1,04,46,992
15Rs. 13,75,337Rs. 8,84,415Rs. 90,71,655
16Rs. 15,04,353Rs. 7,55,399Rs. 75,67,302
17Rs. 16,45,471Rs. 6,14,280Rs. 59,21,831
18Rs. 17,99,828Rs. 4,59,924Rs. 41,22,003
19Rs. 19,68,664Rs. 2,91,087Rs. 21,53,339
20Rs. 21,53,339Rs. 1,06,413Rs. 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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