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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. 2,92,860.80

Total repaid
Rs. 7,02,86,592
Total interest
Rs. 3,77,36,592
Time to repay
20.0 years

Where your money goes

  • Loan amount (principal): Rs. 3,25,50,000 (46%)
  • Interest: Rs. 3,77,36,592 (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. 7,02,86,592Rs. 3,25,50,000
1Rs. 6,67,72,262Rs. 3,19,40,433
2Rs. 6,32,57,933Rs. 3,12,73,684
3Rs. 5,97,43,603Rs. 3,05,44,390
4Rs. 5,62,29,273Rs. 2,97,46,682
5Rs. 5,27,14,944Rs. 2,88,74,144
6Rs. 4,92,00,614Rs. 2,79,19,757
7Rs. 4,56,86,285Rs. 2,68,75,841
8Rs. 4,21,71,955Rs. 2,57,33,998
9Rs. 3,86,57,625Rs. 2,44,85,043
10Rs. 3,51,43,296Rs. 2,31,18,927
11Rs. 3,16,28,966Rs. 2,16,24,660
12Rs. 2,81,14,637Rs. 1,99,90,221
13Rs. 2,46,00,307Rs. 1,82,02,460
14Rs. 2,10,85,977Rs. 1,62,46,994
15Rs. 1,75,71,648Rs. 1,41,08,093
16Rs. 1,40,57,318Rs. 1,17,68,547
17Rs. 1,05,42,989Rs. 92,09,537
18Rs. 70,28,659Rs. 64,10,473
19Rs. 35,14,330Rs. 33,48,838
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. 6,09,567Rs. 29,04,762Rs. 3,19,40,433
2Rs. 6,66,749Rs. 28,47,581Rs. 3,12,73,684
3Rs. 7,29,294Rs. 27,85,035Rs. 3,05,44,390
4Rs. 7,97,707Rs. 27,16,622Rs. 2,97,46,682
5Rs. 8,72,538Rs. 26,41,792Rs. 2,88,74,144
6Rs. 9,54,388Rs. 25,59,942Rs. 2,79,19,757
7Rs. 10,43,916Rs. 24,70,414Rs. 2,68,75,841
8Rs. 11,41,842Rs. 23,72,487Rs. 2,57,33,998
9Rs. 12,48,955Rs. 22,65,374Rs. 2,44,85,043
10Rs. 13,66,116Rs. 21,48,214Rs. 2,31,18,927
11Rs. 14,94,267Rs. 20,20,063Rs. 2,16,24,660
12Rs. 16,34,439Rs. 18,79,890Rs. 1,99,90,221
13Rs. 17,87,761Rs. 17,26,568Rs. 1,82,02,460
14Rs. 19,55,465Rs. 15,58,864Rs. 1,62,46,994
15Rs. 21,38,902Rs. 13,75,428Rs. 1,41,08,093
16Rs. 23,39,545Rs. 11,74,784Rs. 1,17,68,547
17Rs. 25,59,011Rs. 9,55,319Rs. 92,09,537
18Rs. 27,99,064Rs. 7,15,266Rs. 64,10,473
19Rs. 30,61,635Rs. 4,52,694Rs. 33,48,838
20Rs. 33,48,838Rs. 1,65,492Rs. 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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