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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. 2,26,730.94

Total repaid
Rs. 5,44,15,426
Total interest
Rs. 2,92,15,426
Time to repay
20.0 years

Where your money goes

  • Loan amount (principal): Rs. 2,52,00,000 (46%)
  • Interest: Rs. 2,92,15,426 (54%)
What you'd still owe, year by year
02 Cr4 Cr6 Cr05101520
Show as table
YearStill to pay (with interest)Loan balance
0Rs. 5,44,15,426Rs. 2,52,00,000
1Rs. 5,16,94,655Rs. 2,47,28,077
2Rs. 4,89,73,883Rs. 2,42,11,884
3Rs. 4,62,53,112Rs. 2,36,47,269
4Rs. 4,35,32,341Rs. 2,30,29,689
5Rs. 4,08,11,569Rs. 2,23,54,176
6Rs. 3,80,90,798Rs. 2,16,15,295
7Rs. 3,53,70,027Rs. 2,08,07,102
8Rs. 3,26,49,255Rs. 1,99,23,095
9Rs. 2,99,28,484Rs. 1,89,56,162
10Rs. 2,72,07,713Rs. 1,78,98,524
11Rs. 2,44,86,942Rs. 1,67,41,672
12Rs. 2,17,66,170Rs. 1,54,76,300
13Rs. 1,90,45,399Rs. 1,40,92,227
14Rs. 1,63,24,628Rs. 1,25,78,318
15Rs. 1,36,03,856Rs. 1,09,22,394
16Rs. 1,08,83,085Rs. 91,11,133
17Rs. 81,62,314Rs. 71,29,964
18Rs. 54,41,543Rs. 49,62,947
19Rs. 27,20,771Rs. 25,92,649
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. 4,71,923Rs. 22,48,848Rs. 2,47,28,077
2Rs. 5,16,193Rs. 22,04,579Rs. 2,42,11,884
3Rs. 5,64,615Rs. 21,56,156Rs. 2,36,47,269
4Rs. 6,17,580Rs. 21,03,191Rs. 2,30,29,689
5Rs. 6,75,513Rs. 20,45,258Rs. 2,23,54,176
6Rs. 7,38,881Rs. 19,81,890Rs. 2,16,15,295
7Rs. 8,08,193Rs. 19,12,578Rs. 2,08,07,102
8Rs. 8,84,007Rs. 18,36,764Rs. 1,99,23,095
9Rs. 9,66,933Rs. 17,53,838Rs. 1,89,56,162
10Rs. 10,57,638Rs. 16,63,133Rs. 1,78,98,524
11Rs. 11,56,852Rs. 15,63,920Rs. 1,67,41,672
12Rs. 12,65,372Rs. 14,55,399Rs. 1,54,76,300
13Rs. 13,84,073Rs. 13,36,698Rs. 1,40,92,227
14Rs. 15,13,909Rs. 12,06,863Rs. 1,25,78,318
15Rs. 16,55,924Rs. 10,64,847Rs. 1,09,22,394
16Rs. 18,11,261Rs. 9,09,510Rs. 91,11,133
17Rs. 19,81,170Rs. 7,39,602Rs. 71,29,964
18Rs. 21,67,017Rs. 5,53,754Rs. 49,62,947
19Rs. 23,70,298Rs. 3,50,473Rs. 25,92,649
20Rs. 25,92,649Rs. 1,28,123Rs. 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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