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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. 2,12,875.16

Total repaid
Rs. 5,10,90,039
Total interest
Rs. 2,74,30,039
Time to repay
20.0 years

Where your money goes

  • Loan amount (principal): Rs. 2,36,60,000 (46%)
  • Interest: Rs. 2,74,30,039 (54%)
What you'd still owe, year by year
02 Cr4 Cr6 Cr05101520
Show as table
YearStill to pay (with interest)Loan balance
0Rs. 5,10,90,039Rs. 2,36,60,000
1Rs. 4,85,35,537Rs. 2,32,16,917
2Rs. 4,59,81,035Rs. 2,27,32,269
3Rs. 4,34,26,533Rs. 2,22,02,158
4Rs. 4,08,72,031Rs. 2,16,22,320
5Rs. 3,83,17,529Rs. 2,09,88,088
6Rs. 3,57,63,027Rs. 2,02,94,361
7Rs. 3,32,08,525Rs. 1,95,35,557
8Rs. 3,06,54,023Rs. 1,87,05,573
9Rs. 2,80,99,521Rs. 1,77,97,730
10Rs. 2,55,45,019Rs. 1,68,04,726
11Rs. 2,29,90,517Rs. 1,57,18,570
12Rs. 2,04,36,015Rs. 1,45,30,526
13Rs. 1,78,81,514Rs. 1,32,31,035
14Rs. 1,53,27,012Rs. 1,18,09,643
15Rs. 1,27,72,510Rs. 1,02,54,915
16Rs. 1,02,18,008Rs. 85,54,342
17Rs. 76,63,506Rs. 66,94,244
18Rs. 51,09,004Rs. 46,59,656
19Rs. 25,54,502Rs. 24,34,209
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. 4,43,083Rs. 21,11,419Rs. 2,32,16,917
2Rs. 4,84,648Rs. 20,69,854Rs. 2,27,32,269
3Rs. 5,30,111Rs. 20,24,391Rs. 2,22,02,158
4Rs. 5,79,839Rs. 19,74,663Rs. 2,16,22,320
5Rs. 6,34,232Rs. 19,20,270Rs. 2,09,88,088
6Rs. 6,93,727Rs. 18,60,775Rs. 2,02,94,361
7Rs. 7,58,803Rs. 17,95,698Rs. 1,95,35,557
8Rs. 8,29,984Rs. 17,24,518Rs. 1,87,05,573
9Rs. 9,07,843Rs. 16,46,659Rs. 1,77,97,730
10Rs. 9,93,005Rs. 15,61,497Rs. 1,68,04,726
11Rs. 10,86,155Rs. 14,68,347Rs. 1,57,18,570
12Rs. 11,88,044Rs. 13,66,458Rs. 1,45,30,526
13Rs. 12,99,491Rs. 12,55,011Rs. 1,32,31,035
14Rs. 14,21,392Rs. 11,33,110Rs. 1,18,09,643
15Rs. 15,54,728Rs. 9,99,773Rs. 1,02,54,915
16Rs. 17,00,573Rs. 8,53,929Rs. 85,54,342
17Rs. 18,60,098Rs. 6,94,404Rs. 66,94,244
18Rs. 20,34,588Rs. 5,19,914Rs. 46,59,656
19Rs. 22,25,447Rs. 3,29,055Rs. 24,34,209
20Rs. 24,34,209Rs. 1,20,293Rs. 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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