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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. 2,35,548.26

Total repaid
Rs. 5,65,31,581
Total interest
Rs. 3,03,51,581
Time to repay
20.0 years

Where your money goes

  • Loan amount (principal): Rs. 2,61,80,000 (46%)
  • Interest: Rs. 3,03,51,581 (54%)
What you'd still owe, year by year
02 Cr4 Cr6 Cr05101520
Show as table
YearStill to pay (with interest)Loan balance
0Rs. 5,65,31,581Rs. 2,61,80,000
1Rs. 5,37,05,002Rs. 2,56,89,724
2Rs. 5,08,78,423Rs. 2,51,53,458
3Rs. 4,80,51,844Rs. 2,45,66,885
4Rs. 4,52,25,265Rs. 2,39,25,288
5Rs. 4,23,98,686Rs. 2,32,23,505
6Rs. 3,95,72,107Rs. 2,24,55,890
7Rs. 3,67,45,528Rs. 2,16,16,268
8Rs. 3,39,18,949Rs. 2,06,97,882
9Rs. 3,10,92,370Rs. 1,96,93,346
10Rs. 2,82,65,791Rs. 1,85,94,578
11Rs. 2,54,39,212Rs. 1,73,92,738
12Rs. 2,26,12,632Rs. 1,60,78,156
13Rs. 1,97,86,053Rs. 1,46,40,258
14Rs. 1,69,59,474Rs. 1,30,67,475
15Rs. 1,41,32,895Rs. 1,13,47,154
16Rs. 1,13,06,316Rs. 94,65,455
17Rs. 84,79,737Rs. 74,07,240
18Rs. 56,53,158Rs. 51,55,950
19Rs. 28,26,579Rs. 26,93,474
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. 4,90,276Rs. 23,36,304Rs. 2,56,89,724
2Rs. 5,36,267Rs. 22,90,312Rs. 2,51,53,458
3Rs. 5,86,572Rs. 22,40,007Rs. 2,45,66,885
4Rs. 6,41,597Rs. 21,84,982Rs. 2,39,25,288
5Rs. 7,01,783Rs. 21,24,796Rs. 2,32,23,505
6Rs. 7,67,615Rs. 20,58,964Rs. 2,24,55,890
7Rs. 8,39,623Rs. 19,86,956Rs. 2,16,16,268
8Rs. 9,18,385Rs. 19,08,194Rs. 2,06,97,882
9Rs. 10,04,536Rs. 18,22,043Rs. 1,96,93,346
10Rs. 10,98,768Rs. 17,27,811Rs. 1,85,94,578
11Rs. 12,01,840Rs. 16,24,739Rs. 1,73,92,738
12Rs. 13,14,581Rs. 15,11,998Rs. 1,60,78,156
13Rs. 14,37,898Rs. 13,88,681Rs. 1,46,40,258
14Rs. 15,72,783Rs. 12,53,796Rs. 1,30,67,475
15Rs. 17,20,321Rs. 11,06,258Rs. 1,13,47,154
16Rs. 18,81,699Rs. 9,44,880Rs. 94,65,455
17Rs. 20,58,215Rs. 7,68,364Rs. 74,07,240
18Rs. 22,51,290Rs. 5,75,289Rs. 51,55,950
19Rs. 24,62,476Rs. 3,64,103Rs. 26,93,474
20Rs. 26,93,474Rs. 1,33,105Rs. 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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