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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. 1,91,461.68

Total repaid
Rs. 4,59,50,804
Total interest
Rs. 2,46,70,804
Time to repay
20.0 years

Where your money goes

  • Loan amount (principal): Rs. 2,12,80,000 (46%)
  • Interest: Rs. 2,46,70,804 (54%)
What you'd still owe, year by year
02 Cr4 Cr6 Cr05101520
Show as table
YearStill to pay (with interest)Loan balance
0Rs. 4,59,50,804Rs. 2,12,80,000
1Rs. 4,36,53,264Rs. 2,08,81,487
2Rs. 4,13,55,724Rs. 2,04,45,591
3Rs. 3,90,58,183Rs. 1,99,68,805
4Rs. 3,67,60,643Rs. 1,94,47,293
5Rs. 3,44,63,103Rs. 1,88,76,860
6Rs. 3,21,65,563Rs. 1,82,52,916
7Rs. 2,98,68,023Rs. 1,75,70,442
8Rs. 2,75,70,482Rs. 1,68,23,947
9Rs. 2,52,72,942Rs. 1,60,07,426
10Rs. 2,29,75,402Rs. 1,51,14,309
11Rs. 2,06,77,862Rs. 1,41,37,412
12Rs. 1,83,80,322Rs. 1,30,68,876
13Rs. 1,60,82,781Rs. 1,19,00,103
14Rs. 1,37,85,241Rs. 1,06,21,691
15Rs. 1,14,87,701Rs. 92,23,355
16Rs. 91,90,161Rs. 76,93,846
17Rs. 68,92,621Rs. 60,20,858
18Rs. 45,95,080Rs. 41,90,933
19Rs. 22,97,540Rs. 21,89,348
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. 3,98,513Rs. 18,99,027Rs. 2,08,81,487
2Rs. 4,35,896Rs. 18,61,644Rs. 2,04,45,591
3Rs. 4,76,786Rs. 18,20,754Rs. 1,99,68,805
4Rs. 5,21,512Rs. 17,76,028Rs. 1,94,47,293
5Rs. 5,70,433Rs. 17,27,107Rs. 1,88,76,860
6Rs. 6,23,944Rs. 16,73,596Rs. 1,82,52,916
7Rs. 6,82,474Rs. 16,15,066Rs. 1,75,70,442
8Rs. 7,46,495Rs. 15,51,045Rs. 1,68,23,947
9Rs. 8,16,521Rs. 14,81,019Rs. 1,60,07,426
10Rs. 8,93,117Rs. 14,04,424Rs. 1,51,14,309
11Rs. 9,76,897Rs. 13,20,643Rs. 1,41,37,412
12Rs. 10,68,537Rs. 12,29,003Rs. 1,30,68,876
13Rs. 11,68,773Rs. 11,28,767Rs. 1,19,00,103
14Rs. 12,78,412Rs. 10,19,128Rs. 1,06,21,691
15Rs. 13,98,336Rs. 8,99,205Rs. 92,23,355
16Rs. 15,29,509Rs. 7,68,031Rs. 76,93,846
17Rs. 16,72,988Rs. 6,24,552Rs. 60,20,858
18Rs. 18,29,926Rs. 4,67,615Rs. 41,90,933
19Rs. 20,01,585Rs. 2,95,955Rs. 21,89,348
20Rs. 21,89,348Rs. 1,08,193Rs. 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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