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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. 2,52,553.08

Total repaid
Rs. 6,06,12,738
Total interest
Rs. 3,25,42,738
Time to repay
20.0 years

Where your money goes

  • Loan amount (principal): Rs. 2,80,70,000 (46%)
  • Interest: Rs. 3,25,42,738 (54%)
What you'd still owe, year by year
02 Cr4 Cr6 Cr8 Cr05101520
Show as table
YearStill to pay (with interest)Loan balance
0Rs. 6,06,12,738Rs. 2,80,70,000
1Rs. 5,75,82,101Rs. 2,75,44,330
2Rs. 5,45,51,464Rs. 2,69,69,349
3Rs. 5,15,20,827Rs. 2,63,40,431
4Rs. 4,84,90,191Rs. 2,56,52,515
5Rs. 4,54,59,554Rs. 2,49,00,069
6Rs. 4,24,28,917Rs. 2,40,77,037
7Rs. 3,93,98,280Rs. 2,31,76,800
8Rs. 3,63,67,643Rs. 2,21,92,115
9Rs. 3,33,37,006Rs. 2,11,15,059
10Rs. 3,03,06,369Rs. 1,99,36,967
11Rs. 2,72,75,732Rs. 1,86,48,363
12Rs. 2,42,45,095Rs. 1,72,38,879
13Rs. 2,12,14,458Rs. 1,56,97,175
14Rs. 1,81,83,821Rs. 1,40,10,849
15Rs. 1,51,53,185Rs. 1,21,66,334
16Rs. 1,21,22,548Rs. 1,01,48,790
17Rs. 90,91,911Rs. 79,41,987
18Rs. 60,61,274Rs. 55,28,171
19Rs. 30,30,637Rs. 28,87,922
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. 5,25,670Rs. 25,04,967Rs. 2,75,44,330
2Rs. 5,74,981Rs. 24,55,656Rs. 2,69,69,349
3Rs. 6,28,918Rs. 24,01,718Rs. 2,63,40,431
4Rs. 6,87,915Rs. 23,42,722Rs. 2,56,52,515
5Rs. 7,52,447Rs. 22,78,190Rs. 2,49,00,069
6Rs. 8,23,031Rs. 22,07,606Rs. 2,40,77,037
7Rs. 9,00,237Rs. 21,30,400Rs. 2,31,76,800
8Rs. 9,84,686Rs. 20,45,951Rs. 2,21,92,115
9Rs. 10,77,056Rs. 19,53,581Rs. 2,11,15,059
10Rs. 11,78,091Rs. 18,52,546Rs. 1,99,36,967
11Rs. 12,88,604Rs. 17,42,033Rs. 1,86,48,363
12Rs. 14,09,484Rs. 16,21,153Rs. 1,72,38,879
13Rs. 15,41,704Rs. 14,88,933Rs. 1,56,97,175
14Rs. 16,86,326Rs. 13,44,311Rs. 1,40,10,849
15Rs. 18,44,515Rs. 11,86,122Rs. 1,21,66,334
16Rs. 20,17,543Rs. 10,13,094Rs. 1,01,48,790
17Rs. 22,06,803Rs. 8,23,834Rs. 79,41,987
18Rs. 24,13,816Rs. 6,16,821Rs. 55,28,171
19Rs. 26,40,249Rs. 3,90,388Rs. 28,87,922
20Rs. 28,87,922Rs. 1,42,715Rs. 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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