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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. 2,56,331.92

Total repaid
Rs. 6,15,19,662
Total interest
Rs. 3,30,29,662
Time to repay
20.0 years

Where your money goes

  • Loan amount (principal): Rs. 2,84,90,000 (46%)
  • Interest: Rs. 3,30,29,662 (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. 6,15,19,662Rs. 2,84,90,000
1Rs. 5,84,43,679Rs. 2,79,56,465
2Rs. 5,53,67,696Rs. 2,73,72,880
3Rs. 5,22,91,713Rs. 2,67,34,552
4Rs. 4,92,15,730Rs. 2,60,36,343
5Rs. 4,61,39,746Rs. 2,52,72,638
6Rs. 4,30,63,763Rs. 2,44,37,292
7Rs. 3,99,87,780Rs. 2,35,23,585
8Rs. 3,69,11,797Rs. 2,25,24,166
9Rs. 3,38,35,814Rs. 2,14,30,995
10Rs. 3,07,59,831Rs. 2,02,35,276
11Rs. 2,76,83,848Rs. 1,89,27,391
12Rs. 2,46,07,865Rs. 1,74,96,817
13Rs. 2,15,31,882Rs. 1,59,32,045
14Rs. 1,84,55,899Rs. 1,42,20,487
15Rs. 1,53,79,915Rs. 1,23,48,374
16Rs. 1,23,03,932Rs. 1,03,00,642
17Rs. 92,27,949Rs. 80,60,820
18Rs. 61,51,966Rs. 56,10,887
19Rs. 30,75,983Rs. 29,31,133
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. 5,33,535Rs. 25,42,448Rs. 2,79,56,465
2Rs. 5,83,584Rs. 24,92,399Rs. 2,73,72,880
3Rs. 6,38,329Rs. 24,37,654Rs. 2,67,34,552
4Rs. 6,98,208Rs. 23,77,775Rs. 2,60,36,343
5Rs. 7,63,705Rs. 23,12,278Rs. 2,52,72,638
6Rs. 8,35,346Rs. 22,40,637Rs. 2,44,37,292
7Rs. 9,13,707Rs. 21,62,276Rs. 2,35,23,585
8Rs. 9,99,419Rs. 20,76,564Rs. 2,25,24,166
9Rs. 10,93,172Rs. 19,82,812Rs. 2,14,30,995
10Rs. 11,95,719Rs. 18,80,265Rs. 2,02,35,276
11Rs. 13,07,885Rs. 17,68,098Rs. 1,89,27,391
12Rs. 14,30,574Rs. 16,45,409Rs. 1,74,96,817
13Rs. 15,64,772Rs. 15,11,212Rs. 1,59,32,045
14Rs. 17,11,558Rs. 13,64,425Rs. 1,42,20,487
15Rs. 18,72,114Rs. 12,03,869Rs. 1,23,48,374
16Rs. 20,47,731Rs. 10,28,252Rs. 1,03,00,642
17Rs. 22,39,822Rs. 8,36,161Rs. 80,60,820
18Rs. 24,49,933Rs. 6,26,050Rs. 56,10,887
19Rs. 26,79,754Rs. 3,96,229Rs. 29,31,133
20Rs. 29,31,133Rs. 1,44,850Rs. 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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