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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. 3,16,163.70

Total repaid
Rs. 7,58,79,288
Total interest
Rs. 4,07,39,288
Time to repay
20.0 years

Where your money goes

  • Loan amount (principal): Rs. 3,51,40,000 (46%)
  • Interest: Rs. 4,07,39,288 (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. 7,58,79,288Rs. 3,51,40,000
1Rs. 7,20,85,324Rs. 3,44,81,930
2Rs. 6,82,91,359Rs. 3,37,62,128
3Rs. 6,44,97,395Rs. 3,29,74,803
4Rs. 6,07,03,431Rs. 3,21,13,623
5Rs. 5,69,09,466Rs. 3,11,71,657
6Rs. 5,31,15,502Rs. 3,01,41,329
7Rs. 4,93,21,537Rs. 2,90,14,348
8Rs. 4,55,27,573Rs. 2,77,81,650
9Rs. 4,17,33,609Rs. 2,64,33,315
10Rs. 3,79,39,644Rs. 2,49,58,498
11Rs. 3,41,45,680Rs. 2,33,45,332
12Rs. 3,03,51,715Rs. 2,15,80,841
13Rs. 2,65,57,751Rs. 1,96,50,827
14Rs. 2,27,63,786Rs. 1,75,39,766
15Rs. 1,89,69,822Rs. 1,52,30,672
16Rs. 1,51,75,858Rs. 1,27,04,969
17Rs. 1,13,81,893Rs. 99,42,338
18Rs. 75,87,929Rs. 69,20,553
19Rs. 37,93,964Rs. 36,15,304
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. 6,58,070Rs. 31,35,894Rs. 3,44,81,930
2Rs. 7,19,802Rs. 30,74,162Rs. 3,37,62,128
3Rs. 7,87,324Rs. 30,06,640Rs. 3,29,74,803
4Rs. 8,61,181Rs. 29,32,784Rs. 3,21,13,623
5Rs. 9,41,965Rs. 28,51,999Rs. 3,11,71,657
6Rs. 10,30,328Rs. 27,63,636Rs. 3,01,41,329
7Rs. 11,26,980Rs. 26,66,984Rs. 2,90,14,348
8Rs. 12,32,699Rs. 25,61,266Rs. 2,77,81,650
9Rs. 13,48,334Rs. 24,45,630Rs. 2,64,33,315
10Rs. 14,74,818Rs. 23,19,147Rs. 2,49,58,498
11Rs. 16,13,166Rs. 21,80,799Rs. 2,33,45,332
12Rs. 17,64,492Rs. 20,29,473Rs. 2,15,80,841
13Rs. 19,30,013Rs. 18,63,951Rs. 1,96,50,827
14Rs. 21,11,062Rs. 16,82,903Rs. 1,75,39,766
15Rs. 23,09,094Rs. 14,84,871Rs. 1,52,30,672
16Rs. 25,25,703Rs. 12,68,262Rs. 1,27,04,969
17Rs. 27,62,631Rs. 10,31,333Rs. 99,42,338
18Rs. 30,21,785Rs. 7,72,180Rs. 69,20,553
19Rs. 33,05,249Rs. 4,88,715Rs. 36,15,304
20Rs. 36,15,304Rs. 1,78,660Rs. 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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