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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. 2,00,279.00

Total repaid
Rs. 4,80,66,959
Total interest
Rs. 2,58,06,959
Time to repay
20.0 years

Where your money goes

  • Loan amount (principal): Rs. 2,22,60,000 (46%)
  • Interest: Rs. 2,58,06,959 (54%)
What you'd still owe, year by year
02 Cr4 Cr6 Cr05101520
Show as table
YearStill to pay (with interest)Loan balance
0Rs. 4,80,66,959Rs. 2,22,60,000
1Rs. 4,56,63,611Rs. 2,18,43,135
2Rs. 4,32,60,264Rs. 2,13,87,165
3Rs. 4,08,56,916Rs. 2,08,88,421
4Rs. 3,84,53,568Rs. 2,03,42,892
5Rs. 3,60,50,220Rs. 1,97,46,189
6Rs. 3,36,46,872Rs. 1,90,93,511
7Rs. 3,12,43,524Rs. 1,83,79,607
8Rs. 2,88,40,176Rs. 1,75,98,734
9Rs. 2,64,36,828Rs. 1,67,44,610
10Rs. 2,40,33,480Rs. 1,58,10,363
11Rs. 2,16,30,132Rs. 1,47,88,477
12Rs. 1,92,26,784Rs. 1,36,70,732
13Rs. 1,68,23,436Rs. 1,24,48,134
14Rs. 1,44,20,088Rs. 1,11,10,848
15Rs. 1,20,16,740Rs. 96,48,115
16Rs. 96,13,392Rs. 80,48,168
17Rs. 72,10,044Rs. 62,98,135
18Rs. 48,06,696Rs. 43,83,936
19Rs. 24,03,348Rs. 22,90,173
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. 4,16,865Rs. 19,86,483Rs. 2,18,43,135
2Rs. 4,55,970Rs. 19,47,378Rs. 2,13,87,165
3Rs. 4,98,743Rs. 19,04,605Rs. 2,08,88,421
4Rs. 5,45,529Rs. 18,57,819Rs. 2,03,42,892
5Rs. 5,96,703Rs. 18,06,645Rs. 1,97,46,189
6Rs. 6,52,678Rs. 17,50,670Rs. 1,90,93,511
7Rs. 7,13,904Rs. 16,89,444Rs. 1,83,79,607
8Rs. 7,80,873Rs. 16,22,475Rs. 1,75,98,734
9Rs. 8,54,124Rs. 15,49,224Rs. 1,67,44,610
10Rs. 9,34,247Rs. 14,69,101Rs. 1,58,10,363
11Rs. 10,21,886Rs. 13,81,462Rs. 1,47,88,477
12Rs. 11,17,746Rs. 12,85,602Rs. 1,36,70,732
13Rs. 12,22,598Rs. 11,80,750Rs. 1,24,48,134
14Rs. 13,37,286Rs. 10,66,062Rs. 1,11,10,848
15Rs. 14,62,733Rs. 9,40,615Rs. 96,48,115
16Rs. 15,99,947Rs. 8,03,401Rs. 80,48,168
17Rs. 17,50,033Rs. 6,53,315Rs. 62,98,135
18Rs. 19,14,198Rs. 4,89,150Rs. 43,83,936
19Rs. 20,93,763Rs. 3,09,585Rs. 22,90,173
20Rs. 22,90,173Rs. 1,13,175Rs. 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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