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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. 2,75,226.17

Total repaid
Rs. 6,60,54,281
Total interest
Rs. 3,54,64,281
Time to repay
20.0 years

Where your money goes

  • Loan amount (principal): Rs. 3,05,90,000 (46%)
  • Interest: Rs. 3,54,64,281 (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. 6,60,54,281Rs. 3,05,90,000
1Rs. 6,27,51,567Rs. 3,00,17,138
2Rs. 5,94,48,853Rs. 2,93,90,537
3Rs. 5,61,46,139Rs. 2,87,05,157
4Rs. 5,28,43,425Rs. 2,79,55,484
5Rs. 4,95,40,711Rs. 2,71,35,486
6Rs. 4,62,37,997Rs. 2,62,38,567
7Rs. 4,29,35,282Rs. 2,52,57,510
8Rs. 3,96,32,568Rs. 2,41,84,424
9Rs. 3,63,29,854Rs. 2,30,10,675
10Rs. 3,30,27,140Rs. 2,17,26,820
11Rs. 2,97,24,426Rs. 2,03,22,530
12Rs. 2,64,21,712Rs. 1,87,86,509
13Rs. 2,31,18,998Rs. 1,71,06,398
14Rs. 1,98,16,284Rs. 1,52,68,681
15Rs. 1,65,13,570Rs. 1,32,58,573
16Rs. 1,32,10,856Rs. 1,10,59,904
17Rs. 99,08,142Rs. 86,54,984
18Rs. 66,05,428Rs. 60,24,466
19Rs. 33,02,714Rs. 31,47,187
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. 5,72,862Rs. 27,29,852Rs. 3,00,17,138
2Rs. 6,26,601Rs. 26,76,114Rs. 2,93,90,537
3Rs. 6,85,380Rs. 26,17,334Rs. 2,87,05,157
4Rs. 7,49,673Rs. 25,53,041Rs. 2,79,55,484
5Rs. 8,19,998Rs. 24,82,716Rs. 2,71,35,486
6Rs. 8,96,919Rs. 24,05,795Rs. 2,62,38,567
7Rs. 9,81,057Rs. 23,21,658Rs. 2,52,57,510
8Rs. 10,73,086Rs. 22,29,628Rs. 2,41,84,424
9Rs. 11,73,749Rs. 21,28,965Rs. 2,30,10,675
10Rs. 12,83,855Rs. 20,18,859Rs. 2,17,26,820
11Rs. 14,04,290Rs. 18,98,425Rs. 2,03,22,530
12Rs. 15,36,022Rs. 17,66,692Rs. 1,87,86,509
13Rs. 16,80,111Rs. 16,22,603Rs. 1,71,06,398
14Rs. 18,37,717Rs. 14,64,997Rs. 1,52,68,681
15Rs. 20,10,108Rs. 12,92,607Rs. 1,32,58,573
16Rs. 21,98,669Rs. 11,04,045Rs. 1,10,59,904
17Rs. 24,04,920Rs. 8,97,794Rs. 86,54,984
18Rs. 26,30,518Rs. 6,72,196Rs. 60,24,466
19Rs. 28,77,279Rs. 4,25,435Rs. 31,47,187
20Rs. 31,47,187Rs. 1,55,527Rs. 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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