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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. 2,06,577.08

Total repaid
Rs. 4,95,78,499
Total interest
Rs. 2,66,18,499
Time to repay
20.0 years

Where your money goes

  • Loan amount (principal): Rs. 2,29,60,000 (46%)
  • Interest: Rs. 2,66,18,499 (54%)
What you'd still owe, year by year
02 Cr4 Cr6 Cr05101520
Show as table
YearStill to pay (with interest)Loan balance
0Rs. 4,95,78,499Rs. 2,29,60,000
1Rs. 4,70,99,574Rs. 2,25,30,026
2Rs. 4,46,20,649Rs. 2,20,59,717
3Rs. 4,21,41,724Rs. 2,15,45,290
4Rs. 3,96,62,799Rs. 2,09,82,606
5Rs. 3,71,83,874Rs. 2,03,67,138
6Rs. 3,47,04,949Rs. 1,96,93,936
7Rs. 3,22,26,024Rs. 1,89,57,582
8Rs. 2,97,47,099Rs. 1,81,52,154
9Rs. 2,72,68,175Rs. 1,72,71,170
10Rs. 2,47,89,250Rs. 1,63,07,544
11Rs. 2,23,10,325Rs. 1,52,53,524
12Rs. 1,98,31,400Rs. 1,41,00,629
13Rs. 1,73,52,475Rs. 1,28,39,584
14Rs. 1,48,73,550Rs. 1,14,60,245
15Rs. 1,23,94,625Rs. 99,51,515
16Rs. 99,15,700Rs. 83,01,255
17Rs. 74,36,775Rs. 64,96,189
18Rs. 49,57,850Rs. 45,21,796
19Rs. 24,78,925Rs. 23,62,191
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. 4,29,974Rs. 20,48,951Rs. 2,25,30,026
2Rs. 4,70,309Rs. 20,08,616Rs. 2,20,59,717
3Rs. 5,14,427Rs. 19,64,498Rs. 2,15,45,290
4Rs. 5,62,684Rs. 19,16,241Rs. 2,09,82,606
5Rs. 6,15,467Rs. 18,63,457Rs. 2,03,67,138
6Rs. 6,73,203Rs. 18,05,722Rs. 1,96,93,936
7Rs. 7,36,354Rs. 17,42,571Rs. 1,89,57,582
8Rs. 8,05,429Rs. 16,73,496Rs. 1,81,52,154
9Rs. 8,80,983Rs. 15,97,942Rs. 1,72,71,170
10Rs. 9,63,626Rs. 15,15,299Rs. 1,63,07,544
11Rs. 10,54,021Rs. 14,24,904Rs. 1,52,53,524
12Rs. 11,52,895Rs. 13,26,030Rs. 1,41,00,629
13Rs. 12,61,044Rs. 12,17,881Rs. 1,28,39,584
14Rs. 13,79,339Rs. 10,99,586Rs. 1,14,60,245
15Rs. 15,08,731Rs. 9,70,194Rs. 99,51,515
16Rs. 16,50,260Rs. 8,28,665Rs. 83,01,255
17Rs. 18,05,066Rs. 6,73,859Rs. 64,96,189
18Rs. 19,74,393Rs. 5,04,532Rs. 45,21,796
19Rs. 21,59,605Rs. 3,19,320Rs. 23,62,191
20Rs. 23,62,191Rs. 1,16,734Rs. 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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