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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. 2,22,952.09

Total repaid
Rs. 5,35,08,502
Total interest
Rs. 2,87,28,502
Time to repay
20.0 years

Where your money goes

  • Loan amount (principal): Rs. 2,47,80,000 (46%)
  • Interest: Rs. 2,87,28,502 (54%)
What you'd still owe, year by year
02 Cr4 Cr6 Cr05101520
Show as table
YearStill to pay (with interest)Loan balance
0Rs. 5,35,08,502Rs. 2,47,80,000
1Rs. 5,08,33,077Rs. 2,43,15,942
2Rs. 4,81,57,652Rs. 2,38,08,353
3Rs. 4,54,82,227Rs. 2,32,53,148
4Rs. 4,28,06,802Rs. 2,26,45,861
5Rs. 4,01,31,377Rs. 2,19,81,607
6Rs. 3,74,55,951Rs. 2,12,55,041
7Rs. 3,47,80,526Rs. 2,04,60,317
8Rs. 3,21,05,101Rs. 1,95,91,044
9Rs. 2,94,29,676Rs. 1,86,40,226
10Rs. 2,67,54,251Rs. 1,76,00,216
11Rs. 2,40,78,826Rs. 1,64,62,645
12Rs. 2,14,03,401Rs. 1,52,18,362
13Rs. 1,87,27,976Rs. 1,38,57,356
14Rs. 1,60,52,551Rs. 1,23,68,679
15Rs. 1,33,77,126Rs. 1,07,40,354
16Rs. 1,07,01,700Rs. 89,59,281
17Rs. 80,26,275Rs. 70,11,131
18Rs. 53,50,850Rs. 48,80,231
19Rs. 26,75,425Rs. 25,49,438
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. 4,64,058Rs. 22,11,367Rs. 2,43,15,942
2Rs. 5,07,589Rs. 21,67,836Rs. 2,38,08,353
3Rs. 5,55,205Rs. 21,20,220Rs. 2,32,53,148
4Rs. 6,07,287Rs. 20,68,138Rs. 2,26,45,861
5Rs. 6,64,255Rs. 20,11,171Rs. 2,19,81,607
6Rs. 7,26,566Rs. 19,48,859Rs. 2,12,55,041
7Rs. 7,94,723Rs. 18,80,702Rs. 2,04,60,317
8Rs. 8,69,274Rs. 18,06,151Rs. 1,95,91,044
9Rs. 9,50,818Rs. 17,24,608Rs. 1,86,40,226
10Rs. 10,40,011Rs. 16,35,414Rs. 1,76,00,216
11Rs. 11,37,571Rs. 15,37,854Rs. 1,64,62,645
12Rs. 12,44,283Rs. 14,31,142Rs. 1,52,18,362
13Rs. 13,61,005Rs. 13,14,420Rs. 1,38,57,356
14Rs. 14,88,677Rs. 11,86,748Rs. 1,23,68,679
15Rs. 16,28,325Rs. 10,47,100Rs. 1,07,40,354
16Rs. 17,81,073Rs. 8,94,352Rs. 89,59,281
17Rs. 19,48,150Rs. 7,27,275Rs. 70,11,131
18Rs. 21,30,900Rs. 5,44,525Rs. 48,80,231
19Rs. 23,30,793Rs. 3,44,632Rs. 25,49,438
20Rs. 25,49,438Rs. 1,25,987Rs. 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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