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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. 3,28,130.06

Total repaid
Rs. 7,87,51,213
Total interest
Rs. 4,22,81,213
Time to repay
20.0 years

Where your money goes

  • Loan amount (principal): Rs. 3,64,70,000 (46%)
  • Interest: Rs. 4,22,81,213 (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. 7,87,51,213Rs. 3,64,70,000
1Rs. 7,48,13,653Rs. 3,57,87,023
2Rs. 7,08,76,092Rs. 3,50,39,977
3Rs. 6,69,38,531Rs. 3,42,22,854
4Rs. 6,30,00,971Rs. 3,33,29,078
5Rs. 5,90,63,410Rs. 3,23,51,461
6Rs. 5,51,25,849Rs. 3,12,82,136
7Rs. 5,11,88,289Rs. 3,01,12,501
8Rs. 4,72,50,728Rs. 2,88,33,146
9Rs. 4,33,13,167Rs. 2,74,33,779
10Rs. 3,93,75,607Rs. 2,59,03,142
11Rs. 3,54,38,046Rs. 2,42,28,920
12Rs. 3,15,00,485Rs. 2,23,97,645
13Rs. 2,75,62,925Rs. 2,03,94,584
14Rs. 2,36,25,364Rs. 1,82,03,622
15Rs. 1,96,87,803Rs. 1,58,07,132
16Rs. 1,57,50,243Rs. 1,31,85,835
17Rs. 1,18,12,682Rs. 1,03,18,642
18Rs. 78,75,121Rs. 71,82,487
19Rs. 39,37,561Rs. 37,52,139
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. 6,82,977Rs. 32,54,583Rs. 3,57,87,023
2Rs. 7,47,045Rs. 31,90,515Rs. 3,50,39,977
3Rs. 8,17,123Rs. 31,20,437Rs. 3,42,22,854
4Rs. 8,93,775Rs. 30,43,785Rs. 3,33,29,078
5Rs. 9,77,618Rs. 29,59,943Rs. 3,23,51,461
6Rs. 10,69,325Rs. 28,68,236Rs. 3,12,82,136
7Rs. 11,69,635Rs. 27,67,926Rs. 3,01,12,501
8Rs. 12,79,355Rs. 26,58,206Rs. 2,88,33,146
9Rs. 13,99,367Rs. 25,38,194Rs. 2,74,33,779
10Rs. 15,30,637Rs. 24,06,923Rs. 2,59,03,142
11Rs. 16,74,222Rs. 22,63,339Rs. 2,42,28,920
12Rs. 18,31,275Rs. 21,06,286Rs. 2,23,97,645
13Rs. 20,03,061Rs. 19,34,499Rs. 2,03,94,584
14Rs. 21,90,962Rs. 17,46,598Rs. 1,82,03,622
15Rs. 23,96,490Rs. 15,41,071Rs. 1,58,07,132
16Rs. 26,21,297Rs. 13,16,264Rs. 1,31,85,835
17Rs. 28,67,193Rs. 10,70,368Rs. 1,03,18,642
18Rs. 31,36,155Rs. 8,01,405Rs. 71,82,487
19Rs. 34,30,348Rs. 5,07,212Rs. 37,52,139
20Rs. 37,52,139Rs. 1,85,422Rs. 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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