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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. 2,07,836.70

Total repaid
Rs. 4,98,80,807
Total interest
Rs. 2,67,80,807
Time to repay
20.0 years

Where your money goes

  • Loan amount (principal): Rs. 2,31,00,000 (46%)
  • Interest: Rs. 2,67,80,807 (54%)
What you'd still owe, year by year
02 Cr4 Cr6 Cr05101520
Show as table
YearStill to pay (with interest)Loan balance
0Rs. 4,98,80,807Rs. 2,31,00,000
1Rs. 4,73,86,767Rs. 2,26,67,404
2Rs. 4,48,92,726Rs. 2,21,94,227
3Rs. 4,23,98,686Rs. 2,16,76,664
4Rs. 3,99,04,646Rs. 2,11,10,549
5Rs. 3,74,10,605Rs. 2,04,91,328
6Rs. 3,49,16,565Rs. 1,98,14,021
7Rs. 3,24,22,525Rs. 1,90,73,177
8Rs. 2,99,28,484Rs. 1,82,62,837
9Rs. 2,74,34,444Rs. 1,73,76,482
10Rs. 2,49,40,404Rs. 1,64,06,981
11Rs. 2,24,46,363Rs. 1,53,46,533
12Rs. 1,99,52,323Rs. 1,41,86,608
13Rs. 1,74,58,282Rs. 1,29,17,875
14Rs. 1,49,64,242Rs. 1,15,30,125
15Rs. 1,24,70,202Rs. 1,00,12,195
16Rs. 99,76,161Rs. 83,51,872
17Rs. 74,82,121Rs. 65,35,800
18Rs. 49,88,081Rs. 45,49,368
19Rs. 24,94,040Rs. 23,76,594
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. 4,32,596Rs. 20,61,444Rs. 2,26,67,404
2Rs. 4,73,177Rs. 20,20,864Rs. 2,21,94,227
3Rs. 5,17,564Rs. 19,76,477Rs. 2,16,76,664
4Rs. 5,66,115Rs. 19,27,925Rs. 2,11,10,549
5Rs. 6,19,220Rs. 18,74,820Rs. 2,04,91,328
6Rs. 6,77,307Rs. 18,16,733Rs. 1,98,14,021
7Rs. 7,40,844Rs. 17,53,197Rs. 1,90,73,177
8Rs. 8,10,340Rs. 16,83,701Rs. 1,82,62,837
9Rs. 8,86,355Rs. 16,07,685Rs. 1,73,76,482
10Rs. 9,69,502Rs. 15,24,539Rs. 1,64,06,981
11Rs. 10,60,447Rs. 14,33,593Rs. 1,53,46,533
12Rs. 11,59,925Rs. 13,34,116Rs. 1,41,86,608
13Rs. 12,68,734Rs. 12,25,307Rs. 1,29,17,875
14Rs. 13,87,750Rs. 11,06,291Rs. 1,15,30,125
15Rs. 15,17,930Rs. 9,76,110Rs. 1,00,12,195
16Rs. 16,60,322Rs. 8,33,718Rs. 83,51,872
17Rs. 18,16,072Rs. 6,77,968Rs. 65,35,800
18Rs. 19,86,432Rs. 5,07,608Rs. 45,49,368
19Rs. 21,72,773Rs. 3,21,267Rs. 23,76,594
20Rs. 23,76,594Rs. 1,17,446Rs. 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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