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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. 1,88,942.45

Total repaid
Rs. 4,53,46,188
Total interest
Rs. 2,43,46,188
Time to repay
20.0 years

Where your money goes

  • Loan amount (principal): Rs. 2,10,00,000 (46%)
  • Interest: Rs. 2,43,46,188 (54%)
What you'd still owe, year by year
02 Cr4 Cr6 Cr05101520
Show as table
YearStill to pay (with interest)Loan balance
0Rs. 4,53,46,188Rs. 2,10,00,000
1Rs. 4,30,78,879Rs. 2,06,06,731
2Rs. 4,08,11,569Rs. 2,01,76,570
3Rs. 3,85,44,260Rs. 1,97,06,058
4Rs. 3,62,76,951Rs. 1,91,91,408
5Rs. 3,40,09,641Rs. 1,86,28,480
6Rs. 3,17,42,332Rs. 1,80,12,746
7Rs. 2,94,75,022Rs. 1,73,39,252
8Rs. 2,72,07,713Rs. 1,66,02,579
9Rs. 2,49,40,404Rs. 1,57,96,802
10Rs. 2,26,73,094Rs. 1,49,15,437
11Rs. 2,04,05,785Rs. 1,39,51,394
12Rs. 1,81,38,475Rs. 1,28,96,917
13Rs. 1,58,71,166Rs. 1,17,43,522
14Rs. 1,36,03,856Rs. 1,04,81,932
15Rs. 1,13,36,547Rs. 91,01,995
16Rs. 90,69,238Rs. 75,92,611
17Rs. 68,01,928Rs. 59,41,636
18Rs. 45,34,619Rs. 41,35,789
19Rs. 22,67,309Rs. 21,60,540
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. 3,93,269Rs. 18,74,040Rs. 2,06,06,731
2Rs. 4,30,161Rs. 18,37,149Rs. 2,01,76,570
3Rs. 4,70,513Rs. 17,96,797Rs. 1,97,06,058
4Rs. 5,14,650Rs. 17,52,660Rs. 1,91,91,408
5Rs. 5,62,928Rs. 17,04,382Rs. 1,86,28,480
6Rs. 6,15,734Rs. 16,51,575Rs. 1,80,12,746
7Rs. 6,73,494Rs. 15,93,815Rs. 1,73,39,252
8Rs. 7,36,673Rs. 15,30,637Rs. 1,66,02,579
9Rs. 8,05,778Rs. 14,61,532Rs. 1,57,96,802
10Rs. 8,81,365Rs. 13,85,944Rs. 1,49,15,437
11Rs. 9,64,043Rs. 13,03,266Rs. 1,39,51,394
12Rs. 10,54,477Rs. 12,12,832Rs. 1,28,96,917
13Rs. 11,53,394Rs. 11,13,915Rs. 1,17,43,522
14Rs. 12,61,591Rs. 10,05,719Rs. 1,04,81,932
15Rs. 13,79,937Rs. 8,87,373Rs. 91,01,995
16Rs. 15,09,384Rs. 7,57,925Rs. 75,92,611
17Rs. 16,50,975Rs. 6,16,335Rs. 59,41,636
18Rs. 18,05,848Rs. 4,61,462Rs. 41,35,789
19Rs. 19,75,248Rs. 2,92,061Rs. 21,60,540
20Rs. 21,60,540Rs. 1,06,769Rs. 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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