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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. 2,26,101.13

Total repaid
Rs. 5,42,64,272
Total interest
Rs. 2,91,34,272
Time to repay
20.0 years

Where your money goes

  • Loan amount (principal): Rs. 2,51,30,000 (46%)
  • Interest: Rs. 2,91,34,272 (54%)
What you'd still owe, year by year
02 Cr4 Cr6 Cr05101520
Show as table
YearStill to pay (with interest)Loan balance
0Rs. 5,42,64,272Rs. 2,51,30,000
1Rs. 5,15,51,058Rs. 2,46,59,388
2Rs. 4,88,37,845Rs. 2,41,44,629
3Rs. 4,61,24,631Rs. 2,35,81,582
4Rs. 4,34,11,417Rs. 2,29,65,718
5Rs. 4,06,98,204Rs. 2,22,92,081
6Rs. 3,79,84,990Rs. 2,15,55,253
7Rs. 3,52,71,777Rs. 2,07,49,305
8Rs. 3,25,58,563Rs. 1,98,67,753
9Rs. 2,98,45,350Rs. 1,89,03,506
10Rs. 2,71,32,136Rs. 1,78,48,806
11Rs. 2,44,18,922Rs. 1,66,95,168
12Rs. 2,17,05,709Rs. 1,54,33,310
13Rs. 1,89,92,495Rs. 1,40,53,082
14Rs. 1,62,79,282Rs. 1,25,43,378
15Rs. 1,35,66,068Rs. 1,08,92,054
16Rs. 1,08,52,854Rs. 90,85,825
17Rs. 81,39,641Rs. 71,10,158
18Rs. 54,26,427Rs. 49,49,161
19Rs. 27,13,214Rs. 25,85,447
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. 4,70,612Rs. 22,42,601Rs. 2,46,59,388
2Rs. 5,14,759Rs. 21,98,455Rs. 2,41,44,629
3Rs. 5,63,047Rs. 21,50,167Rs. 2,35,81,582
4Rs. 6,15,864Rs. 20,97,349Rs. 2,29,65,718
5Rs. 6,73,637Rs. 20,39,577Rs. 2,22,92,081
6Rs. 7,36,828Rs. 19,76,385Rs. 2,15,55,253
7Rs. 8,05,948Rs. 19,07,266Rs. 2,07,49,305
8Rs. 8,81,552Rs. 18,31,662Rs. 1,98,67,753
9Rs. 9,64,247Rs. 17,48,966Rs. 1,89,03,506
10Rs. 10,54,700Rs. 16,58,513Rs. 1,78,48,806
11Rs. 11,53,638Rs. 15,59,575Rs. 1,66,95,168
12Rs. 12,61,858Rs. 14,51,356Rs. 1,54,33,310
13Rs. 13,80,228Rs. 13,32,985Rs. 1,40,53,082
14Rs. 15,09,703Rs. 12,03,510Rs. 1,25,43,378
15Rs. 16,51,324Rs. 10,61,890Rs. 1,08,92,054
16Rs. 18,06,230Rs. 9,06,984Rs. 90,85,825
17Rs. 19,75,666Rs. 7,37,547Rs. 71,10,158
18Rs. 21,60,998Rs. 5,52,216Rs. 49,49,161
19Rs. 23,63,714Rs. 3,49,500Rs. 25,85,447
20Rs. 25,85,447Rs. 1,27,767Rs. 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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