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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. 2,38,067.49

Total repaid
Rs. 5,71,36,197
Total interest
Rs. 3,06,76,197
Time to repay
20.0 years

Where your money goes

  • Loan amount (principal): Rs. 2,64,60,000 (46%)
  • Interest: Rs. 3,06,76,197 (54%)
What you'd still owe, year by year
02 Cr4 Cr6 Cr05101520
Show as table
YearStill to pay (with interest)Loan balance
0Rs. 5,71,36,197Rs. 2,64,60,000
1Rs. 5,42,79,387Rs. 2,59,64,481
2Rs. 5,14,22,577Rs. 2,54,22,479
3Rs. 4,85,65,768Rs. 2,48,29,633
4Rs. 4,57,08,958Rs. 2,41,81,174
5Rs. 4,28,52,148Rs. 2,34,71,885
6Rs. 3,99,95,338Rs. 2,26,96,060
7Rs. 3,71,38,528Rs. 2,18,47,458
8Rs. 3,42,81,718Rs. 2,09,19,250
9Rs. 3,14,24,908Rs. 1,99,03,970
10Rs. 2,85,68,099Rs. 1,87,93,450
11Rs. 2,57,11,289Rs. 1,75,78,756
12Rs. 2,28,54,479Rs. 1,62,50,115
13Rs. 1,99,97,669Rs. 1,47,96,838
14Rs. 1,71,40,859Rs. 1,32,07,234
15Rs. 1,42,84,049Rs. 1,14,68,514
16Rs. 1,14,27,239Rs. 95,66,690
17Rs. 85,70,430Rs. 74,86,462
18Rs. 57,13,620Rs. 52,11,094
19Rs. 28,56,810Rs. 27,22,281
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. 4,95,519Rs. 23,61,291Rs. 2,59,64,481
2Rs. 5,42,002Rs. 23,14,808Rs. 2,54,22,479
3Rs. 5,92,846Rs. 22,63,964Rs. 2,48,29,633
4Rs. 6,48,459Rs. 22,08,351Rs. 2,41,81,174
5Rs. 7,09,289Rs. 21,47,521Rs. 2,34,71,885
6Rs. 7,75,825Rs. 20,80,985Rs. 2,26,96,060
7Rs. 8,48,603Rs. 20,08,207Rs. 2,18,47,458
8Rs. 9,28,207Rs. 19,28,602Rs. 2,09,19,250
9Rs. 10,15,280Rs. 18,41,530Rs. 1,99,03,970
10Rs. 11,10,520Rs. 17,46,290Rs. 1,87,93,450
11Rs. 12,14,694Rs. 16,42,115Rs. 1,75,78,756
12Rs. 13,28,641Rs. 15,28,169Rs. 1,62,50,115
13Rs. 14,53,277Rs. 14,03,533Rs. 1,47,96,838
14Rs. 15,89,604Rs. 12,67,206Rs. 1,32,07,234
15Rs. 17,38,720Rs. 11,18,090Rs. 1,14,68,514
16Rs. 19,01,824Rs. 9,54,986Rs. 95,66,690
17Rs. 20,80,228Rs. 7,76,582Rs. 74,86,462
18Rs. 22,75,368Rs. 5,81,442Rs. 52,11,094
19Rs. 24,88,813Rs. 3,67,997Rs. 27,22,281
20Rs. 27,22,281Rs. 1,34,529Rs. 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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