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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. 3,21,831.97

Total repaid
Rs. 7,72,39,674
Total interest
Rs. 4,14,69,674
Time to repay
20.0 years

Where your money goes

  • Loan amount (principal): Rs. 3,57,70,000 (46%)
  • Interest: Rs. 4,14,69,674 (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. 7,72,39,674Rs. 3,57,70,000
1Rs. 7,33,77,690Rs. 3,51,00,132
2Rs. 6,95,15,706Rs. 3,43,67,425
3Rs. 6,56,53,723Rs. 3,35,65,985
4Rs. 6,17,91,739Rs. 3,26,89,365
5Rs. 5,79,29,755Rs. 3,17,30,511
6Rs. 5,40,67,772Rs. 3,06,81,711
7Rs. 5,02,05,788Rs. 2,95,34,526
8Rs. 4,63,43,804Rs. 2,82,79,727
9Rs. 4,24,81,821Rs. 2,69,07,219
10Rs. 3,86,19,837Rs. 2,54,05,961
11Rs. 3,47,57,853Rs. 2,37,63,874
12Rs. 3,08,95,870Rs. 2,19,67,748
13Rs. 2,70,33,886Rs. 2,00,03,133
14Rs. 2,31,71,902Rs. 1,78,54,224
15Rs. 1,93,09,918Rs. 1,55,03,732
16Rs. 1,54,47,935Rs. 1,29,32,748
17Rs. 1,15,85,951Rs. 1,01,20,587
18Rs. 77,23,967Rs. 70,44,627
19Rs. 38,61,984Rs. 36,80,121
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. 6,69,868Rs. 31,92,115Rs. 3,51,00,132
2Rs. 7,32,707Rs. 31,29,277Rs. 3,43,67,425
3Rs. 8,01,440Rs. 30,60,544Rs. 3,35,65,985
4Rs. 8,76,620Rs. 29,85,363Rs. 3,26,89,365
5Rs. 9,58,853Rs. 29,03,130Rs. 3,17,30,511
6Rs. 10,48,800Rs. 28,13,183Rs. 3,06,81,711
7Rs. 11,47,185Rs. 27,14,799Rs. 2,95,34,526
8Rs. 12,54,799Rs. 26,07,185Rs. 2,82,79,727
9Rs. 13,72,508Rs. 24,89,476Rs. 2,69,07,219
10Rs. 15,01,258Rs. 23,60,725Rs. 2,54,05,961
11Rs. 16,42,087Rs. 22,19,897Rs. 2,37,63,874
12Rs. 17,96,126Rs. 20,65,858Rs. 2,19,67,748
13Rs. 19,64,615Rs. 18,97,369Rs. 2,00,03,133
14Rs. 21,48,909Rs. 17,13,074Rs. 1,78,54,224
15Rs. 23,50,492Rs. 15,11,492Rs. 1,55,03,732
16Rs. 25,70,984Rs. 12,90,999Rs. 1,29,32,748
17Rs. 28,12,160Rs. 10,49,823Rs. 1,01,20,587
18Rs. 30,75,960Rs. 7,86,023Rs. 70,44,627
19Rs. 33,64,507Rs. 4,97,477Rs. 36,80,121
20Rs. 36,80,121Rs. 1,81,863Rs. 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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