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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. 2,10,985.74

Total repaid
Rs. 5,06,36,577
Total interest
Rs. 2,71,86,577
Time to repay
20.0 years

Where your money goes

  • Loan amount (principal): Rs. 2,34,50,000 (46%)
  • Interest: Rs. 2,71,86,577 (54%)
What you'd still owe, year by year
02 Cr4 Cr6 Cr05101520
Show as table
YearStill to pay (with interest)Loan balance
0Rs. 5,06,36,577Rs. 2,34,50,000
1Rs. 4,81,04,748Rs. 2,30,10,849
2Rs. 4,55,72,919Rs. 2,25,30,504
3Rs. 4,30,41,090Rs. 2,20,05,098
4Rs. 4,05,09,261Rs. 2,14,30,405
5Rs. 3,79,77,433Rs. 2,08,01,803
6Rs. 3,54,45,604Rs. 2,01,14,233
7Rs. 3,29,13,775Rs. 1,93,62,165
8Rs. 3,03,81,946Rs. 1,85,39,547
9Rs. 2,78,50,117Rs. 1,76,39,762
10Rs. 2,53,18,288Rs. 1,66,55,571
11Rs. 2,27,86,460Rs. 1,55,79,056
12Rs. 2,02,54,631Rs. 1,44,01,557
13Rs. 1,77,22,802Rs. 1,31,13,600
14Rs. 1,51,90,973Rs. 1,17,04,824
15Rs. 1,26,59,144Rs. 1,01,63,895
16Rs. 1,01,27,315Rs. 84,78,416
17Rs. 75,95,487Rs. 66,34,827
18Rs. 50,63,658Rs. 46,18,298
19Rs. 25,31,829Rs. 24,12,603
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. 4,39,151Rs. 20,92,678Rs. 2,30,10,849
2Rs. 4,80,346Rs. 20,51,483Rs. 2,25,30,504
3Rs. 5,25,406Rs. 20,06,423Rs. 2,20,05,098
4Rs. 5,74,692Rs. 19,57,136Rs. 2,14,30,405
5Rs. 6,28,602Rs. 19,03,226Rs. 2,08,01,803
6Rs. 6,87,570Rs. 18,44,259Rs. 2,01,14,233
7Rs. 7,52,069Rs. 17,79,760Rs. 1,93,62,165
8Rs. 8,22,618Rs. 17,09,211Rs. 1,85,39,547
9Rs. 8,99,785Rs. 16,32,044Rs. 1,76,39,762
10Rs. 9,84,191Rs. 15,47,638Rs. 1,66,55,571
11Rs. 10,76,515Rs. 14,55,314Rs. 1,55,79,056
12Rs. 11,77,499Rs. 13,54,329Rs. 1,44,01,557
13Rs. 12,87,957Rs. 12,43,872Rs. 1,31,13,600
14Rs. 14,08,776Rs. 11,23,053Rs. 1,17,04,824
15Rs. 15,40,929Rs. 9,90,900Rs. 1,01,63,895
16Rs. 16,85,479Rs. 8,46,350Rs. 84,78,416
17Rs. 18,43,588Rs. 6,88,240Rs. 66,34,827
18Rs. 20,16,530Rs. 5,15,299Rs. 46,18,298
19Rs. 22,05,694Rs. 3,26,135Rs. 24,12,603
20Rs. 24,12,603Rs. 1,19,225Rs. 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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