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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. 2,16,654.01

Total repaid
Rs. 5,19,96,962
Total interest
Rs. 2,79,16,962
Time to repay
20.0 years

Where your money goes

  • Loan amount (principal): Rs. 2,40,80,000 (46%)
  • Interest: Rs. 2,79,16,962 (54%)
What you'd still owe, year by year
02 Cr4 Cr6 Cr05101520
Show as table
YearStill to pay (with interest)Loan balance
0Rs. 5,19,96,962Rs. 2,40,80,000
1Rs. 4,93,97,114Rs. 2,36,29,051
2Rs. 4,67,97,266Rs. 2,31,35,801
3Rs. 4,41,97,418Rs. 2,25,96,280
4Rs. 4,15,97,570Rs. 2,20,06,148
5Rs. 3,89,97,722Rs. 2,13,60,657
6Rs. 3,63,97,874Rs. 2,06,54,616
7Rs. 3,37,98,026Rs. 1,98,82,342
8Rs. 3,11,98,177Rs. 1,90,37,624
9Rs. 2,85,98,329Rs. 1,81,13,666
10Rs. 2,59,98,481Rs. 1,71,03,034
11Rs. 2,33,98,633Rs. 1,59,97,598
12Rs. 2,07,98,785Rs. 1,47,88,464
13Rs. 1,81,98,937Rs. 1,34,65,906
14Rs. 1,55,99,089Rs. 1,20,19,282
15Rs. 1,29,99,241Rs. 1,04,36,955
16Rs. 1,03,99,392Rs. 87,06,194
17Rs. 77,99,544Rs. 68,13,076
18Rs. 51,99,696Rs. 47,42,371
19Rs. 25,99,848Rs. 24,77,420
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. 4,50,949Rs. 21,48,899Rs. 2,36,29,051
2Rs. 4,93,251Rs. 21,06,597Rs. 2,31,35,801
3Rs. 5,39,521Rs. 20,60,327Rs. 2,25,96,280
4Rs. 5,90,132Rs. 20,09,716Rs. 2,20,06,148
5Rs. 6,45,490Rs. 19,54,358Rs. 2,13,60,657
6Rs. 7,06,042Rs. 18,93,806Rs. 2,06,54,616
7Rs. 7,72,273Rs. 18,27,575Rs. 1,98,82,342
8Rs. 8,44,718Rs. 17,55,130Rs. 1,90,37,624
9Rs. 9,23,958Rs. 16,75,890Rs. 1,81,13,666
10Rs. 10,10,632Rs. 15,89,216Rs. 1,71,03,034
11Rs. 11,05,436Rs. 14,94,412Rs. 1,59,97,598
12Rs. 12,09,134Rs. 13,90,714Rs. 1,47,88,464
13Rs. 13,22,559Rs. 12,77,289Rs. 1,34,65,906
14Rs. 14,46,624Rs. 11,53,224Rs. 1,20,19,282
15Rs. 15,82,327Rs. 10,17,521Rs. 1,04,36,955
16Rs. 17,30,760Rs. 8,69,088Rs. 87,06,194
17Rs. 18,93,118Rs. 7,06,730Rs. 68,13,076
18Rs. 20,70,705Rs. 5,29,143Rs. 47,42,371
19Rs. 22,64,952Rs. 3,34,897Rs. 24,77,420
20Rs. 24,77,420Rs. 1,22,428Rs. 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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