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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. 2,16,024.20

Total repaid
Rs. 5,18,45,808
Total interest
Rs. 2,78,35,808
Time to repay
20.0 years

Where your money goes

  • Loan amount (principal): Rs. 2,40,10,000 (46%)
  • Interest: Rs. 2,78,35,808 (54%)
What you'd still owe, year by year
02 Cr4 Cr6 Cr05101520
Show as table
YearStill to pay (with interest)Loan balance
0Rs. 5,18,45,808Rs. 2,40,10,000
1Rs. 4,92,53,518Rs. 2,35,60,362
2Rs. 4,66,61,228Rs. 2,30,68,545
3Rs. 4,40,68,937Rs. 2,25,30,593
4Rs. 4,14,76,647Rs. 2,19,42,176
5Rs. 3,88,84,356Rs. 2,12,98,562
6Rs. 3,62,92,066Rs. 2,05,94,573
7Rs. 3,36,99,776Rs. 1,98,24,545
8Rs. 3,11,07,485Rs. 1,89,82,283
9Rs. 2,85,15,195Rs. 1,80,61,010
10Rs. 2,59,22,904Rs. 1,70,53,316
11Rs. 2,33,30,614Rs. 1,59,51,093
12Rs. 2,07,38,323Rs. 1,47,45,475
13Rs. 1,81,46,033Rs. 1,34,26,761
14Rs. 1,55,53,743Rs. 1,19,84,342
15Rs. 1,29,61,452Rs. 1,04,06,615
16Rs. 1,03,69,162Rs. 86,80,885
17Rs. 77,76,871Rs. 67,93,271
18Rs. 51,84,581Rs. 47,28,585
19Rs. 25,92,290Rs. 24,70,218
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. 4,49,638Rs. 21,42,653Rs. 2,35,60,362
2Rs. 4,91,817Rs. 21,00,474Rs. 2,30,68,545
3Rs. 5,37,953Rs. 20,54,338Rs. 2,25,30,593
4Rs. 5,88,416Rs. 20,03,874Rs. 2,19,42,176
5Rs. 6,43,614Rs. 19,48,677Rs. 2,12,98,562
6Rs. 7,03,989Rs. 18,88,301Rs. 2,05,94,573
7Rs. 7,70,028Rs. 18,22,262Rs. 1,98,24,545
8Rs. 8,42,262Rs. 17,50,028Rs. 1,89,82,283
9Rs. 9,21,272Rs. 16,71,018Rs. 1,80,61,010
10Rs. 10,07,694Rs. 15,84,596Rs. 1,70,53,316
11Rs. 11,02,223Rs. 14,90,068Rs. 1,59,51,093
12Rs. 12,05,619Rs. 13,86,672Rs. 1,47,45,475
13Rs. 13,18,714Rs. 12,73,576Rs. 1,34,26,761
14Rs. 14,42,419Rs. 11,49,872Rs. 1,19,84,342
15Rs. 15,77,727Rs. 10,14,563Rs. 1,04,06,615
16Rs. 17,25,729Rs. 8,66,561Rs. 86,80,885
17Rs. 18,87,614Rs. 7,04,676Rs. 67,93,271
18Rs. 20,64,686Rs. 5,27,605Rs. 47,28,585
19Rs. 22,58,367Rs. 3,33,923Rs. 24,70,218
20Rs. 24,70,218Rs. 1,22,073Rs. 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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