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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. 2,08,466.50

Total repaid
Rs. 5,00,31,961
Total interest
Rs. 2,68,61,961
Time to repay
20.0 years

Where your money goes

  • Loan amount (principal): Rs. 2,31,70,000 (46%)
  • Interest: Rs. 2,68,61,961 (54%)
What you'd still owe, year by year
02 Cr4 Cr6 Cr05101520
Show as table
YearStill to pay (with interest)Loan balance
0Rs. 5,00,31,961Rs. 2,31,70,000
1Rs. 4,75,30,363Rs. 2,27,36,093
2Rs. 4,50,28,765Rs. 2,22,61,483
3Rs. 4,25,27,167Rs. 2,17,42,350
4Rs. 4,00,25,569Rs. 2,11,74,520
5Rs. 3,75,23,971Rs. 2,05,53,423
6Rs. 3,50,22,373Rs. 1,98,74,063
7Rs. 3,25,20,775Rs. 1,91,30,975
8Rs. 3,00,19,177Rs. 1,83,18,179
9Rs. 2,75,17,579Rs. 1,74,29,138
10Rs. 2,50,15,980Rs. 1,64,56,699
11Rs. 2,25,14,382Rs. 1,53,93,038
12Rs. 2,00,12,784Rs. 1,42,29,598
13Rs. 1,75,11,186Rs. 1,29,57,020
14Rs. 1,50,09,588Rs. 1,15,65,065
15Rs. 1,25,07,990Rs. 1,00,42,535
16Rs. 1,00,06,392Rs. 83,77,181
17Rs. 75,04,794Rs. 65,55,606
18Rs. 50,03,196Rs. 45,63,154
19Rs. 25,01,598Rs. 23,83,796
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. 4,33,907Rs. 20,67,691Rs. 2,27,36,093
2Rs. 4,74,610Rs. 20,26,988Rs. 2,22,61,483
3Rs. 5,19,132Rs. 19,82,466Rs. 2,17,42,350
4Rs. 5,67,830Rs. 19,33,768Rs. 2,11,74,520
5Rs. 6,21,097Rs. 18,80,501Rs. 2,05,53,423
6Rs. 6,79,360Rs. 18,22,238Rs. 1,98,74,063
7Rs. 7,43,089Rs. 17,58,509Rs. 1,91,30,975
8Rs. 8,12,795Rs. 16,88,803Rs. 1,83,18,179
9Rs. 8,89,041Rs. 16,12,557Rs. 1,74,29,138
10Rs. 9,72,439Rs. 15,29,159Rs. 1,64,56,699
11Rs. 10,63,661Rs. 14,37,937Rs. 1,53,93,038
12Rs. 11,63,440Rs. 13,38,158Rs. 1,42,29,598
13Rs. 12,72,578Rs. 12,29,020Rs. 1,29,57,020
14Rs. 13,91,955Rs. 11,09,643Rs. 1,15,65,065
15Rs. 15,22,530Rs. 9,79,068Rs. 1,00,42,535
16Rs. 16,65,354Rs. 8,36,244Rs. 83,77,181
17Rs. 18,21,575Rs. 6,80,023Rs. 65,55,606
18Rs. 19,92,452Rs. 5,09,146Rs. 45,63,154
19Rs. 21,79,358Rs. 3,22,241Rs. 23,83,796
20Rs. 23,83,796Rs. 1,17,802Rs. 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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