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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. 2,20,432.86

Total repaid
Rs. 5,29,03,886
Total interest
Rs. 2,84,03,886
Time to repay
20.0 years

Where your money goes

  • Loan amount (principal): Rs. 2,45,00,000 (46%)
  • Interest: Rs. 2,84,03,886 (54%)
What you'd still owe, year by year
02 Cr4 Cr6 Cr05101520
Show as table
YearStill to pay (with interest)Loan balance
0Rs. 5,29,03,886Rs. 2,45,00,000
1Rs. 5,02,58,692Rs. 2,40,41,186
2Rs. 4,76,13,498Rs. 2,35,39,332
3Rs. 4,49,68,303Rs. 2,29,90,401
4Rs. 4,23,23,109Rs. 2,23,89,976
5Rs. 3,96,77,915Rs. 2,17,33,227
6Rs. 3,70,32,720Rs. 2,10,14,871
7Rs. 3,43,87,526Rs. 2,02,29,127
8Rs. 3,17,42,332Rs. 1,93,69,676
9Rs. 2,90,97,137Rs. 1,84,29,602
10Rs. 2,64,51,943Rs. 1,74,01,343
11Rs. 2,38,06,749Rs. 1,62,76,626
12Rs. 2,11,61,554Rs. 1,50,46,403
13Rs. 1,85,16,360Rs. 1,37,00,776
14Rs. 1,58,71,166Rs. 1,22,28,920
15Rs. 1,32,25,972Rs. 1,06,18,994
16Rs. 1,05,80,777Rs. 88,58,046
17Rs. 79,35,583Rs. 69,31,909
18Rs. 52,90,389Rs. 48,25,087
19Rs. 26,45,194Rs. 25,20,631
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. 4,58,814Rs. 21,86,380Rs. 2,40,41,186
2Rs. 5,01,854Rs. 21,43,340Rs. 2,35,39,332
3Rs. 5,48,931Rs. 20,96,263Rs. 2,29,90,401
4Rs. 6,00,425Rs. 20,44,769Rs. 2,23,89,976
5Rs. 6,56,749Rs. 19,88,445Rs. 2,17,33,227
6Rs. 7,18,356Rs. 19,26,838Rs. 2,10,14,871
7Rs. 7,85,743Rs. 18,59,451Rs. 2,02,29,127
8Rs. 8,59,451Rs. 17,85,743Rs. 1,93,69,676
9Rs. 9,40,074Rs. 17,05,121Rs. 1,84,29,602
10Rs. 10,28,259Rs. 16,16,935Rs. 1,74,01,343
11Rs. 11,24,717Rs. 15,20,477Rs. 1,62,76,626
12Rs. 12,30,223Rs. 14,14,971Rs. 1,50,46,403
13Rs. 13,45,627Rs. 12,99,568Rs. 1,37,00,776
14Rs. 14,71,856Rs. 11,73,339Rs. 1,22,28,920
15Rs. 16,09,926Rs. 10,35,268Rs. 1,06,18,994
16Rs. 17,60,948Rs. 8,84,246Rs. 88,58,046
17Rs. 19,26,137Rs. 7,19,057Rs. 69,31,909
18Rs. 21,06,822Rs. 5,38,372Rs. 48,25,087
19Rs. 23,04,457Rs. 3,40,738Rs. 25,20,631
20Rs. 25,20,631Rs. 1,24,564Rs. 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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