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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. 2,37,437.68

Total repaid
Rs. 5,69,85,043
Total interest
Rs. 3,05,95,043
Time to repay
20.0 years

Where your money goes

  • Loan amount (principal): Rs. 2,63,90,000 (46%)
  • Interest: Rs. 3,05,95,043 (54%)
What you'd still owe, year by year
02 Cr4 Cr6 Cr05101520
Show as table
YearStill to pay (with interest)Loan balance
0Rs. 5,69,85,043Rs. 2,63,90,000
1Rs. 5,41,35,791Rs. 2,58,95,792
2Rs. 5,12,86,539Rs. 2,53,55,223
3Rs. 4,84,37,287Rs. 2,47,63,946
4Rs. 4,55,88,035Rs. 2,41,17,203
5Rs. 4,27,38,782Rs. 2,34,09,790
6Rs. 3,98,89,530Rs. 2,26,36,018
7Rs. 3,70,40,278Rs. 2,17,89,660
8Rs. 3,41,91,026Rs. 2,08,63,908
9Rs. 3,13,41,774Rs. 1,98,51,314
10Rs. 2,84,92,522Rs. 1,87,43,732
11Rs. 2,56,43,269Rs. 1,75,32,251
12Rs. 2,27,94,017Rs. 1,62,07,125
13Rs. 1,99,44,765Rs. 1,47,57,693
14Rs. 1,70,95,513Rs. 1,31,72,294
15Rs. 1,42,46,261Rs. 1,14,38,174
16Rs. 1,13,97,009Rs. 95,41,381
17Rs. 85,47,757Rs. 74,66,656
18Rs. 56,98,504Rs. 51,97,308
19Rs. 28,49,252Rs. 27,15,079
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. 4,94,208Rs. 23,55,044Rs. 2,58,95,792
2Rs. 5,40,568Rs. 23,08,684Rs. 2,53,55,223
3Rs. 5,91,277Rs. 22,57,975Rs. 2,47,63,946
4Rs. 6,46,743Rs. 22,02,509Rs. 2,41,17,203
5Rs. 7,07,412Rs. 21,41,840Rs. 2,34,09,790
6Rs. 7,73,772Rs. 20,75,480Rs. 2,26,36,018
7Rs. 8,46,358Rs. 20,02,894Rs. 2,17,89,660
8Rs. 9,25,752Rs. 19,23,500Rs. 2,08,63,908
9Rs. 10,12,594Rs. 18,36,658Rs. 1,98,51,314
10Rs. 11,07,582Rs. 17,41,670Rs. 1,87,43,732
11Rs. 12,11,481Rs. 16,37,771Rs. 1,75,32,251
12Rs. 13,25,126Rs. 15,24,126Rs. 1,62,07,125
13Rs. 14,49,432Rs. 13,99,820Rs. 1,47,57,693
14Rs. 15,85,399Rs. 12,63,853Rs. 1,31,72,294
15Rs. 17,34,120Rs. 11,15,132Rs. 1,14,38,174
16Rs. 18,96,793Rs. 9,52,459Rs. 95,41,381
17Rs. 20,74,725Rs. 7,74,527Rs. 74,66,656
18Rs. 22,69,348Rs. 5,79,904Rs. 51,97,308
19Rs. 24,82,229Rs. 3,67,023Rs. 27,15,079
20Rs. 27,15,079Rs. 1,34,173Rs. 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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