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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. 2,04,687.65

Total repaid
Rs. 4,91,25,037
Total interest
Rs. 2,63,75,037
Time to repay
20.0 years

Where your money goes

  • Loan amount (principal): Rs. 2,27,50,000 (46%)
  • Interest: Rs. 2,63,75,037 (54%)
What you'd still owe, year by year
02 Cr4 Cr6 Cr05101520
Show as table
YearStill to pay (with interest)Loan balance
0Rs. 4,91,25,037Rs. 2,27,50,000
1Rs. 4,66,68,785Rs. 2,23,23,958
2Rs. 4,42,12,533Rs. 2,18,57,951
3Rs. 4,17,56,282Rs. 2,13,48,229
4Rs. 3,93,00,030Rs. 2,07,90,692
5Rs. 3,68,43,778Rs. 2,01,80,854
6Rs. 3,43,87,526Rs. 1,95,13,808
7Rs. 3,19,31,274Rs. 1,87,84,190
8Rs. 2,94,75,022Rs. 1,79,86,128
9Rs. 2,70,18,770Rs. 1,71,13,202
10Rs. 2,45,62,519Rs. 1,61,58,390
11Rs. 2,21,06,267Rs. 1,51,14,010
12Rs. 1,96,50,015Rs. 1,39,71,660
13Rs. 1,71,93,763Rs. 1,27,22,149
14Rs. 1,47,37,511Rs. 1,13,55,426
15Rs. 1,22,81,259Rs. 98,60,495
16Rs. 98,25,007Rs. 82,25,329
17Rs. 73,68,756Rs. 64,36,773
18Rs. 49,12,504Rs. 44,80,438
19Rs. 24,56,252Rs. 23,40,585
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. 4,26,042Rs. 20,30,210Rs. 2,23,23,958
2Rs. 4,66,007Rs. 19,90,245Rs. 2,18,57,951
3Rs. 5,09,722Rs. 19,46,530Rs. 2,13,48,229
4Rs. 5,57,537Rs. 18,98,714Rs. 2,07,90,692
5Rs. 6,09,838Rs. 18,46,414Rs. 2,01,80,854
6Rs. 6,67,045Rs. 17,89,207Rs. 1,95,13,808
7Rs. 7,29,619Rs. 17,26,633Rs. 1,87,84,190
8Rs. 7,98,062Rs. 16,58,190Rs. 1,79,86,128
9Rs. 8,72,926Rs. 15,83,326Rs. 1,71,13,202
10Rs. 9,54,812Rs. 15,01,440Rs. 1,61,58,390
11Rs. 10,44,380Rs. 14,11,872Rs. 1,51,14,010
12Rs. 11,42,350Rs. 13,13,902Rs. 1,39,71,660
13Rs. 12,49,510Rs. 12,06,741Rs. 1,27,22,149
14Rs. 13,66,723Rs. 10,89,529Rs. 1,13,55,426
15Rs. 14,94,931Rs. 9,61,321Rs. 98,60,495
16Rs. 16,35,166Rs. 8,21,086Rs. 82,25,329
17Rs. 17,88,556Rs. 6,67,696Rs. 64,36,773
18Rs. 19,56,335Rs. 4,99,917Rs. 44,80,438
19Rs. 21,39,853Rs. 3,16,399Rs. 23,40,585
20Rs. 23,40,585Rs. 1,15,666Rs. 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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