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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. 2,14,134.78

Total repaid
Rs. 5,13,92,347
Total interest
Rs. 2,75,92,347
Time to repay
20.0 years

Where your money goes

  • Loan amount (principal): Rs. 2,38,00,000 (46%)
  • Interest: Rs. 2,75,92,347 (54%)
What you'd still owe, year by year
02 Cr4 Cr6 Cr05101520
Show as table
YearStill to pay (with interest)Loan balance
0Rs. 5,13,92,347Rs. 2,38,00,000
1Rs. 4,88,22,729Rs. 2,33,54,295
2Rs. 4,62,53,112Rs. 2,28,66,780
3Rs. 4,36,83,495Rs. 2,23,33,532
4Rs. 4,11,13,877Rs. 2,17,50,262
5Rs. 3,85,44,260Rs. 2,11,12,278
6Rs. 3,59,74,643Rs. 2,04,14,446
7Rs. 3,34,05,025Rs. 1,96,51,152
8Rs. 3,08,35,408Rs. 1,88,16,257
9Rs. 2,82,65,791Rs. 1,79,03,042
10Rs. 2,56,96,173Rs. 1,69,04,162
11Rs. 2,31,26,556Rs. 1,58,11,580
12Rs. 2,05,56,939Rs. 1,46,16,506
13Rs. 1,79,87,321Rs. 1,33,09,325
14Rs. 1,54,17,704Rs. 1,18,79,523
15Rs. 1,28,48,087Rs. 1,03,15,595
16Rs. 1,02,78,469Rs. 86,04,959
17Rs. 77,08,852Rs. 67,33,855
18Rs. 51,39,235Rs. 46,87,227
19Rs. 25,69,617Rs. 24,48,612
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. 4,45,705Rs. 21,23,912Rs. 2,33,54,295
2Rs. 4,87,515Rs. 20,82,102Rs. 2,28,66,780
3Rs. 5,33,248Rs. 20,36,370Rs. 2,23,33,532
4Rs. 5,83,270Rs. 19,86,347Rs. 2,17,50,262
5Rs. 6,37,985Rs. 19,31,633Rs. 2,11,12,278
6Rs. 6,97,832Rs. 18,71,785Rs. 2,04,14,446
7Rs. 7,63,293Rs. 18,06,324Rs. 1,96,51,152
8Rs. 8,34,896Rs. 17,34,722Rs. 1,88,16,257
9Rs. 9,13,215Rs. 16,56,403Rs. 1,79,03,042
10Rs. 9,98,880Rs. 15,70,737Rs. 1,69,04,162
11Rs. 10,92,582Rs. 14,77,035Rs. 1,58,11,580
12Rs. 11,95,074Rs. 13,74,543Rs. 1,46,16,506
13Rs. 13,07,180Rs. 12,62,437Rs. 1,33,09,325
14Rs. 14,29,803Rs. 11,39,815Rs. 1,18,79,523
15Rs. 15,63,928Rs. 10,05,689Rs. 1,03,15,595
16Rs. 17,10,635Rs. 8,58,982Rs. 86,04,959
17Rs. 18,71,105Rs. 6,98,513Rs. 67,33,855
18Rs. 20,46,627Rs. 5,22,990Rs. 46,87,227
19Rs. 22,38,615Rs. 3,31,002Rs. 24,48,612
20Rs. 24,48,612Rs. 1,21,005Rs. 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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