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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. 2,15,394.39

Total repaid
Rs. 5,16,94,655
Total interest
Rs. 2,77,54,655
Time to repay
20.0 years

Where your money goes

  • Loan amount (principal): Rs. 2,39,40,000 (46%)
  • Interest: Rs. 2,77,54,655 (54%)
What you'd still owe, year by year
02 Cr4 Cr6 Cr05101520
Show as table
YearStill to pay (with interest)Loan balance
0Rs. 5,16,94,655Rs. 2,39,40,000
1Rs. 4,91,09,922Rs. 2,34,91,673
2Rs. 4,65,25,189Rs. 2,30,01,290
3Rs. 4,39,40,456Rs. 2,24,64,906
4Rs. 4,13,55,724Rs. 2,18,78,205
5Rs. 3,87,70,991Rs. 2,12,36,468
6Rs. 3,61,86,258Rs. 2,05,34,531
7Rs. 3,36,01,525Rs. 1,97,66,747
8Rs. 3,10,16,793Rs. 1,89,26,941
9Rs. 2,84,32,060Rs. 1,80,08,354
10Rs. 2,58,47,327Rs. 1,70,03,598
11Rs. 2,32,62,595Rs. 1,59,04,589
12Rs. 2,06,77,862Rs. 1,47,02,485
13Rs. 1,80,93,129Rs. 1,33,87,616
14Rs. 1,55,08,396Rs. 1,19,49,402
15Rs. 1,29,23,664Rs. 1,03,76,275
16Rs. 1,03,38,931Rs. 86,55,577
17Rs. 77,54,198Rs. 67,73,466
18Rs. 51,69,465Rs. 47,14,799
19Rs. 25,84,733Rs. 24,63,016
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. 4,48,327Rs. 21,36,406Rs. 2,34,91,673
2Rs. 4,90,383Rs. 20,94,350Rs. 2,30,01,290
3Rs. 5,36,384Rs. 20,48,348Rs. 2,24,64,906
4Rs. 5,86,701Rs. 19,98,032Rs. 2,18,78,205
5Rs. 6,41,737Rs. 19,42,995Rs. 2,12,36,468
6Rs. 7,01,937Rs. 18,82,796Rs. 2,05,34,531
7Rs. 7,67,783Rs. 18,16,949Rs. 1,97,66,747
8Rs. 8,39,807Rs. 17,44,926Rs. 1,89,26,941
9Rs. 9,18,586Rs. 16,66,146Rs. 1,80,08,354
10Rs. 10,04,756Rs. 15,79,977Rs. 1,70,03,598
11Rs. 10,99,009Rs. 14,85,724Rs. 1,59,04,589
12Rs. 12,02,104Rs. 13,82,629Rs. 1,47,02,485
13Rs. 13,14,869Rs. 12,69,863Rs. 1,33,87,616
14Rs. 14,38,213Rs. 11,46,519Rs. 1,19,49,402
15Rs. 15,73,128Rs. 10,11,605Rs. 1,03,76,275
16Rs. 17,20,698Rs. 8,64,035Rs. 86,55,577
17Rs. 18,82,111Rs. 7,02,622Rs. 67,73,466
18Rs. 20,58,666Rs. 5,26,067Rs. 47,14,799
19Rs. 22,51,783Rs. 3,32,949Rs. 24,63,016
20Rs. 24,63,016Rs. 1,21,717Rs. 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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