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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. 1,95,240.53

Total repaid
Rs. 4,68,57,728
Total interest
Rs. 2,51,57,728
Time to repay
20.0 years

Where your money goes

  • Loan amount (principal): Rs. 2,17,00,000 (46%)
  • Interest: Rs. 2,51,57,728 (54%)
What you'd still owe, year by year
02 Cr4 Cr6 Cr05101520
Show as table
YearStill to pay (with interest)Loan balance
0Rs. 4,68,57,728Rs. 2,17,00,000
1Rs. 4,45,14,841Rs. 2,12,93,622
2Rs. 4,21,71,955Rs. 2,08,49,123
3Rs. 3,98,29,069Rs. 2,03,62,926
4Rs. 3,74,86,182Rs. 1,98,31,121
5Rs. 3,51,43,296Rs. 1,92,49,430
6Rs. 3,28,00,409Rs. 1,86,13,171
7Rs. 3,04,57,523Rs. 1,79,17,227
8Rs. 2,81,14,637Rs. 1,71,55,999
9Rs. 2,57,71,750Rs. 1,63,23,362
10Rs. 2,34,28,864Rs. 1,54,12,618
11Rs. 2,10,85,978Rs. 1,44,16,440
12Rs. 1,87,43,091Rs. 1,33,26,814
13Rs. 1,64,00,205Rs. 1,21,34,973
14Rs. 1,40,57,318Rs. 1,08,31,330
15Rs. 1,17,14,432Rs. 94,05,395
16Rs. 93,71,546Rs. 78,45,698
17Rs. 70,28,659Rs. 61,39,691
18Rs. 46,85,773Rs. 42,73,649
19Rs. 23,42,886Rs. 22,32,558
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. 4,06,378Rs. 19,36,508Rs. 2,12,93,622
2Rs. 4,44,499Rs. 18,98,387Rs. 2,08,49,123
3Rs. 4,86,196Rs. 18,56,690Rs. 2,03,62,926
4Rs. 5,31,805Rs. 18,11,082Rs. 1,98,31,121
5Rs. 5,81,692Rs. 17,61,195Rs. 1,92,49,430
6Rs. 6,36,259Rs. 17,06,628Rs. 1,86,13,171
7Rs. 6,95,944Rs. 16,46,942Rs. 1,79,17,227
8Rs. 7,61,228Rs. 15,81,658Rs. 1,71,55,999
9Rs. 8,32,637Rs. 15,10,250Rs. 1,63,23,362
10Rs. 9,10,744Rs. 14,32,143Rs. 1,54,12,618
11Rs. 9,96,178Rs. 13,46,708Rs. 1,44,16,440
12Rs. 10,89,626Rs. 12,53,260Rs. 1,33,26,814
13Rs. 11,91,841Rs. 11,51,046Rs. 1,21,34,973
14Rs. 13,03,644Rs. 10,39,243Rs. 1,08,31,330
15Rs. 14,25,934Rs. 9,16,952Rs. 94,05,395
16Rs. 15,59,697Rs. 7,83,190Rs. 78,45,698
17Rs. 17,06,007Rs. 6,36,879Rs. 61,39,691
18Rs. 18,66,042Rs. 4,76,844Rs. 42,73,649
19Rs. 20,41,090Rs. 3,01,796Rs. 22,32,558
20Rs. 22,32,558Rs. 1,10,328Rs. 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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