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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. 2,82,154.06

Total repaid
Rs. 6,77,16,974
Total interest
Rs. 3,63,56,974
Time to repay
20.0 years

Where your money goes

  • Loan amount (principal): Rs. 3,13,60,000 (46%)
  • Interest: Rs. 3,63,56,974 (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. 6,77,16,974Rs. 3,13,60,000
1Rs. 6,43,31,126Rs. 3,07,72,718
2Rs. 6,09,45,277Rs. 3,01,30,345
3Rs. 5,75,59,428Rs. 2,94,27,713
4Rs. 5,41,73,579Rs. 2,86,59,169
5Rs. 5,07,87,731Rs. 2,78,18,531
6Rs. 4,74,01,882Rs. 2,68,99,034
7Rs. 4,40,16,033Rs. 2,58,93,283
8Rs. 4,06,30,185Rs. 2,47,93,185
9Rs. 3,72,44,336Rs. 2,35,89,891
10Rs. 3,38,58,487Rs. 2,22,73,719
11Rs. 3,04,72,638Rs. 2,08,34,081
12Rs. 2,70,86,790Rs. 1,92,59,396
13Rs. 2,37,00,941Rs. 1,75,36,993
14Rs. 2,03,15,092Rs. 1,56,53,018
15Rs. 1,69,29,244Rs. 1,35,92,313
16Rs. 1,35,43,395Rs. 1,13,38,299
17Rs. 1,01,57,546Rs. 88,72,844
18Rs. 67,71,697Rs. 61,76,111
19Rs. 33,85,849Rs. 32,26,407
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. 5,87,282Rs. 27,98,567Rs. 3,07,72,718
2Rs. 6,42,373Rs. 27,43,476Rs. 3,01,30,345
3Rs. 7,02,632Rs. 26,83,217Rs. 2,94,27,713
4Rs. 7,68,544Rs. 26,17,305Rs. 2,86,59,169
5Rs. 8,40,639Rs. 25,45,210Rs. 2,78,18,531
6Rs. 9,19,496Rs. 24,66,353Rs. 2,68,99,034
7Rs. 10,05,751Rs. 23,80,097Rs. 2,58,93,283
8Rs. 11,00,098Rs. 22,85,751Rs. 2,47,93,185
9Rs. 12,03,294Rs. 21,82,554Rs. 2,35,89,891
10Rs. 13,16,172Rs. 20,69,677Rs. 2,22,73,719
11Rs. 14,39,638Rs. 19,46,211Rs. 2,08,34,081
12Rs. 15,74,686Rs. 18,11,163Rs. 1,92,59,396
13Rs. 17,22,402Rs. 16,63,447Rs. 1,75,36,993
14Rs. 18,83,975Rs. 15,01,873Rs. 1,56,53,018
15Rs. 20,60,705Rs. 13,25,144Rs. 1,35,92,313
16Rs. 22,54,014Rs. 11,31,835Rs. 1,13,38,299
17Rs. 24,65,456Rs. 9,20,393Rs. 88,72,844
18Rs. 26,96,732Rs. 6,89,116Rs. 61,76,111
19Rs. 29,49,704Rs. 4,36,144Rs. 32,26,407
20Rs. 32,26,407Rs. 1,59,442Rs. 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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