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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. 2,57,591.54

Total repaid
Rs. 6,18,21,970
Total interest
Rs. 3,31,91,970
Time to repay
20.0 years

Where your money goes

  • Loan amount (principal): Rs. 2,86,30,000 (46%)
  • Interest: Rs. 3,31,91,970 (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. 6,18,21,970Rs. 2,86,30,000
1Rs. 5,87,30,871Rs. 2,80,93,843
2Rs. 5,56,39,773Rs. 2,75,07,391
3Rs. 5,25,48,674Rs. 2,68,65,925
4Rs. 4,94,57,576Rs. 2,61,64,286
5Rs. 4,63,66,477Rs. 2,53,96,828
6Rs. 4,32,75,379Rs. 2,45,57,377
7Rs. 4,01,84,280Rs. 2,36,39,180
8Rs. 3,70,93,182Rs. 2,26,34,850
9Rs. 3,40,02,083Rs. 2,15,36,307
10Rs. 3,09,10,985Rs. 2,03,34,712
11Rs. 2,78,19,886Rs. 1,90,20,400
12Rs. 2,47,28,788Rs. 1,75,82,796
13Rs. 2,16,37,689Rs. 1,60,10,336
14Rs. 1,85,46,591Rs. 1,42,90,367
15Rs. 1,54,55,492Rs. 1,24,09,054
16Rs. 1,23,64,394Rs. 1,03,51,260
17Rs. 92,73,295Rs. 81,00,431
18Rs. 61,82,197Rs. 56,38,459
19Rs. 30,91,099Rs. 29,45,537
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. 5,36,157Rs. 25,54,942Rs. 2,80,93,843
2Rs. 5,86,452Rs. 25,04,646Rs. 2,75,07,391
3Rs. 6,41,465Rs. 24,49,633Rs. 2,68,65,925
4Rs. 7,01,639Rs. 23,89,459Rs. 2,61,64,286
5Rs. 7,67,458Rs. 23,23,641Rs. 2,53,96,828
6Rs. 8,39,451Rs. 22,51,648Rs. 2,45,57,377
7Rs. 9,18,197Rs. 21,72,901Rs. 2,36,39,180
8Rs. 10,04,330Rs. 20,86,768Rs. 2,26,34,850
9Rs. 10,98,543Rs. 19,92,555Rs. 2,15,36,307
10Rs. 12,01,594Rs. 18,89,504Rs. 2,03,34,712
11Rs. 13,14,312Rs. 17,76,786Rs. 1,90,20,400
12Rs. 14,37,604Rs. 16,53,495Rs. 1,75,82,796
13Rs. 15,72,461Rs. 15,18,638Rs. 1,60,10,336
14Rs. 17,19,969Rs. 13,71,130Rs. 1,42,90,367
15Rs. 18,81,313Rs. 12,09,785Rs. 1,24,09,054
16Rs. 20,57,794Rs. 10,33,305Rs. 1,03,51,260
17Rs. 22,50,829Rs. 8,40,270Rs. 81,00,431
18Rs. 24,61,972Rs. 6,29,126Rs. 56,38,459
19Rs. 26,92,922Rs. 3,98,176Rs. 29,45,537
20Rs. 29,45,537Rs. 1,45,562Rs. 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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