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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. 1,95,870.34

Total repaid
Rs. 4,70,08,882
Total interest
Rs. 2,52,38,882
Time to repay
20.0 years

Where your money goes

  • Loan amount (principal): Rs. 2,17,70,000 (46%)
  • Interest: Rs. 2,52,38,882 (54%)
What you'd still owe, year by year
02 Cr4 Cr6 Cr05101520
Show as table
YearStill to pay (with interest)Loan balance
0Rs. 4,70,08,882Rs. 2,17,70,000
1Rs. 4,46,58,438Rs. 2,13,62,311
2Rs. 4,23,07,994Rs. 2,09,16,378
3Rs. 3,99,57,549Rs. 2,04,28,613
4Rs. 3,76,07,105Rs. 1,98,95,093
5Rs. 3,52,56,661Rs. 1,93,11,525
6Rs. 3,29,06,217Rs. 1,86,73,214
7Rs. 3,05,55,773Rs. 1,79,75,025
8Rs. 2,82,05,329Rs. 1,72,11,341
9Rs. 2,58,54,885Rs. 1,63,76,018
10Rs. 2,35,04,441Rs. 1,54,62,336
11Rs. 2,11,53,997Rs. 1,44,62,945
12Rs. 1,88,03,553Rs. 1,33,69,804
13Rs. 1,64,53,109Rs. 1,21,74,118
14Rs. 1,41,02,665Rs. 1,08,66,269
15Rs. 1,17,52,220Rs. 94,35,735
16Rs. 94,01,776Rs. 78,71,007
17Rs. 70,51,332Rs. 61,59,496
18Rs. 47,00,888Rs. 42,87,435
19Rs. 23,50,444Rs. 22,39,760
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. 4,07,689Rs. 19,42,755Rs. 2,13,62,311
2Rs. 4,45,933Rs. 19,04,511Rs. 2,09,16,378
3Rs. 4,87,765Rs. 18,62,679Rs. 2,04,28,613
4Rs. 5,33,520Rs. 18,16,924Rs. 1,98,95,093
5Rs. 5,83,568Rs. 17,66,876Rs. 1,93,11,525
6Rs. 6,38,311Rs. 17,12,133Rs. 1,86,73,214
7Rs. 6,98,189Rs. 16,52,255Rs. 1,79,75,025
8Rs. 7,63,684Rs. 15,86,760Rs. 1,72,11,341
9Rs. 8,35,323Rs. 15,15,121Rs. 1,63,76,018
10Rs. 9,13,682Rs. 14,36,762Rs. 1,54,62,336
11Rs. 9,99,391Rs. 13,51,053Rs. 1,44,62,945
12Rs. 10,93,141Rs. 12,57,303Rs. 1,33,69,804
13Rs. 11,95,685Rs. 11,54,759Rs. 1,21,74,118
14Rs. 13,07,849Rs. 10,42,595Rs. 1,08,66,269
15Rs. 14,30,534Rs. 9,19,910Rs. 94,35,735
16Rs. 15,64,728Rs. 7,85,716Rs. 78,71,007
17Rs. 17,11,510Rs. 6,38,934Rs. 61,59,496
18Rs. 18,72,062Rs. 4,78,382Rs. 42,87,435
19Rs. 20,47,674Rs. 3,02,770Rs. 22,39,760
20Rs. 22,39,760Rs. 1,10,684Rs. 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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