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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. 3,25,610.82

Total repaid
Rs. 7,81,46,598
Total interest
Rs. 4,19,56,598
Time to repay
20.0 years

Where your money goes

  • Loan amount (principal): Rs. 3,61,90,000 (46%)
  • Interest: Rs. 4,19,56,598 (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. 7,81,46,598Rs. 3,61,90,000
1Rs. 7,42,39,268Rs. 3,55,12,266
2Rs. 7,03,31,938Rs. 3,47,70,956
3Rs. 6,64,24,608Rs. 3,39,60,106
4Rs. 6,25,17,278Rs. 3,30,73,193
5Rs. 5,86,09,948Rs. 3,21,03,081
6Rs. 5,47,02,618Rs. 3,10,41,966
7Rs. 5,07,95,288Rs. 2,98,81,311
8Rs. 4,68,87,959Rs. 2,86,11,779
9Rs. 4,29,80,629Rs. 2,72,23,155
10Rs. 3,90,73,299Rs. 2,57,04,270
11Rs. 3,51,65,969Rs. 2,40,42,902
12Rs. 3,12,58,639Rs. 2,22,25,686
13Rs. 2,73,51,309Rs. 2,02,38,004
14Rs. 2,34,43,979Rs. 1,80,63,862
15Rs. 1,95,36,649Rs. 1,56,85,772
16Rs. 1,56,29,320Rs. 1,30,84,600
17Rs. 1,17,21,990Rs. 1,02,39,420
18Rs. 78,14,660Rs. 71,27,343
19Rs. 39,07,330Rs. 37,23,331
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. 6,77,734Rs. 32,29,596Rs. 3,55,12,266
2Rs. 7,41,310Rs. 31,66,020Rs. 3,47,70,956
3Rs. 8,10,850Rs. 30,96,480Rs. 3,39,60,106
4Rs. 8,86,913Rs. 30,20,417Rs. 3,30,73,193
5Rs. 9,70,112Rs. 29,37,218Rs. 3,21,03,081
6Rs. 10,61,115Rs. 28,46,215Rs. 3,10,41,966
7Rs. 11,60,655Rs. 27,46,675Rs. 2,98,81,311
8Rs. 12,69,532Rs. 26,37,797Rs. 2,86,11,779
9Rs. 13,88,623Rs. 25,18,707Rs. 2,72,23,155
10Rs. 15,18,886Rs. 23,88,444Rs. 2,57,04,270
11Rs. 16,61,368Rs. 22,45,962Rs. 2,40,42,902
12Rs. 18,17,215Rs. 20,90,114Rs. 2,22,25,686
13Rs. 19,87,683Rs. 19,19,647Rs. 2,02,38,004
14Rs. 21,74,141Rs. 17,33,189Rs. 1,80,63,862
15Rs. 23,78,091Rs. 15,29,239Rs. 1,56,85,772
16Rs. 26,01,172Rs. 13,06,158Rs. 1,30,84,600
17Rs. 28,45,180Rs. 10,62,150Rs. 1,02,39,420
18Rs. 31,12,077Rs. 7,95,253Rs. 71,27,343
19Rs. 34,04,012Rs. 5,03,318Rs. 37,23,331
20Rs. 37,23,331Rs. 1,83,999Rs. 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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