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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. 2,89,081.95

Total repaid
Rs. 6,93,79,668
Total interest
Rs. 3,72,49,668
Time to repay
20.0 years

Where your money goes

  • Loan amount (principal): Rs. 3,21,30,000 (46%)
  • Interest: Rs. 3,72,49,668 (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. 6,93,79,668Rs. 3,21,30,000
1Rs. 6,59,10,685Rs. 3,15,28,298
2Rs. 6,24,41,701Rs. 3,08,70,153
3Rs. 5,89,72,718Rs. 3,01,50,268
4Rs. 5,55,03,734Rs. 2,93,62,854
5Rs. 5,20,34,751Rs. 2,85,01,575
6Rs. 4,85,65,768Rs. 2,75,59,502
7Rs. 4,50,96,784Rs. 2,65,29,056
8Rs. 4,16,27,801Rs. 2,54,01,947
9Rs. 3,81,58,817Rs. 2,41,69,107
10Rs. 3,46,89,834Rs. 2,28,20,618
11Rs. 3,12,20,851Rs. 2,13,45,632
12Rs. 2,77,51,867Rs. 1,97,32,283
13Rs. 2,42,82,884Rs. 1,79,67,589
14Rs. 2,08,13,900Rs. 1,60,37,356
15Rs. 1,73,44,917Rs. 1,39,26,053
16Rs. 1,38,75,934Rs. 1,16,16,695
17Rs. 1,04,06,950Rs. 90,90,704
18Rs. 69,37,967Rs. 63,27,757
19Rs. 34,68,983Rs. 33,05,627
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. 6,01,702Rs. 28,67,282Rs. 3,15,28,298
2Rs. 6,58,146Rs. 28,10,838Rs. 3,08,70,153
3Rs. 7,19,884Rs. 27,49,099Rs. 3,01,50,268
4Rs. 7,87,414Rs. 26,81,569Rs. 2,93,62,854
5Rs. 8,61,279Rs. 26,07,704Rs. 2,85,01,575
6Rs. 9,42,073Rs. 25,26,910Rs. 2,75,59,502
7Rs. 10,30,446Rs. 24,38,537Rs. 2,65,29,056
8Rs. 11,27,109Rs. 23,41,874Rs. 2,54,01,947
9Rs. 12,32,840Rs. 22,36,144Rs. 2,41,69,107
10Rs. 13,48,489Rs. 21,20,495Rs. 2,28,20,618
11Rs. 14,74,986Rs. 19,93,997Rs. 2,13,45,632
12Rs. 16,13,350Rs. 18,55,634Rs. 1,97,32,283
13Rs. 17,64,693Rs. 17,04,290Rs. 1,79,67,589
14Rs. 19,30,234Rs. 15,38,750Rs. 1,60,37,356
15Rs. 21,11,303Rs. 13,57,681Rs. 1,39,26,053
16Rs. 23,09,358Rs. 11,59,626Rs. 1,16,16,695
17Rs. 25,25,991Rs. 9,42,992Rs. 90,90,704
18Rs. 27,62,947Rs. 7,06,037Rs. 63,27,757
19Rs. 30,22,130Rs. 4,46,853Rs. 33,05,627
20Rs. 33,05,627Rs. 1,63,357Rs. 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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