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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. 2,41,216.53

Total repaid
Rs. 5,78,91,967
Total interest
Rs. 3,10,81,967
Time to repay
20.0 years

Where your money goes

  • Loan amount (principal): Rs. 2,68,10,000 (46%)
  • Interest: Rs. 3,10,81,967 (54%)
What you'd still owe, year by year
02 Cr4 Cr6 Cr05101520
Show as table
YearStill to pay (with interest)Loan balance
0Rs. 5,78,91,967Rs. 2,68,10,000
1Rs. 5,49,97,369Rs. 2,63,07,926
2Rs. 5,21,02,770Rs. 2,57,58,755
3Rs. 4,92,08,172Rs. 2,51,58,067
4Rs. 4,63,13,574Rs. 2,45,01,031
5Rs. 4,34,18,975Rs. 2,37,82,360
6Rs. 4,05,24,377Rs. 2,29,96,273
7Rs. 3,76,29,778Rs. 2,21,36,445
8Rs. 3,47,35,180Rs. 2,11,95,960
9Rs. 3,18,40,582Rs. 2,01,67,250
10Rs. 2,89,45,983Rs. 1,90,42,041
11Rs. 2,60,51,385Rs. 1,78,11,279
12Rs. 2,31,56,787Rs. 1,64,65,064
13Rs. 2,02,62,188Rs. 1,49,92,564
14Rs. 1,73,67,590Rs. 1,33,81,933
15Rs. 1,44,72,992Rs. 1,16,20,214
16Rs. 1,15,78,393Rs. 96,93,234
17Rs. 86,83,795Rs. 75,85,489
18Rs. 57,89,197Rs. 52,80,024
19Rs. 28,94,598Rs. 27,58,290
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. 5,02,074Rs. 23,92,525Rs. 2,63,07,926
2Rs. 5,49,172Rs. 23,45,427Rs. 2,57,58,755
3Rs. 6,00,688Rs. 22,93,911Rs. 2,51,58,067
4Rs. 6,57,036Rs. 22,37,562Rs. 2,45,01,031
5Rs. 7,18,671Rs. 21,75,927Rs. 2,37,82,360
6Rs. 7,86,087Rs. 21,08,511Rs. 2,29,96,273
7Rs. 8,59,828Rs. 20,34,771Rs. 2,21,36,445
8Rs. 9,40,485Rs. 19,54,113Rs. 2,11,95,960
9Rs. 10,28,709Rs. 18,65,889Rs. 2,01,67,250
10Rs. 11,25,209Rs. 17,69,389Rs. 1,90,42,041
11Rs. 12,30,762Rs. 16,63,837Rs. 1,78,11,279
12Rs. 13,46,216Rs. 15,48,383Rs. 1,64,65,064
13Rs. 14,72,500Rs. 14,22,098Rs. 1,49,92,564
14Rs. 16,10,631Rs. 12,83,968Rs. 1,33,81,933
15Rs. 17,61,719Rs. 11,32,879Rs. 1,16,20,214
16Rs. 19,26,980Rs. 9,67,618Rs. 96,93,234
17Rs. 21,07,744Rs. 7,86,854Rs. 75,85,489
18Rs. 23,05,465Rs. 5,89,133Rs. 52,80,024
19Rs. 25,21,734Rs. 3,72,864Rs. 27,58,290
20Rs. 27,58,290Rs. 1,36,308Rs. 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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