Skip to content
Sign in

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. 3,40,096.41

Total repaid
Rs. 8,16,23,139
Total interest
Rs. 4,38,23,139
Time to repay
20.0 years

Where your money goes

  • Loan amount (principal): Rs. 3,78,00,000 (46%)
  • Interest: Rs. 4,38,23,139 (54%)
What you'd still owe, year by year
02.5 Cr5 Cr7.5 Cr10 Cr05101520
Show as table
YearStill to pay (with interest)Loan balance
0Rs. 8,16,23,139Rs. 3,78,00,000
1Rs. 7,75,41,982Rs. 3,70,92,116
2Rs. 7,34,60,825Rs. 3,63,17,827
3Rs. 6,93,79,668Rs. 3,54,70,904
4Rs. 6,52,98,511Rs. 3,45,44,534
5Rs. 6,12,17,354Rs. 3,35,31,265
6Rs. 5,71,36,197Rs. 3,24,22,943
7Rs. 5,30,55,040Rs. 3,12,10,654
8Rs. 4,89,73,883Rs. 2,98,84,643
9Rs. 4,48,92,726Rs. 2,84,34,243
10Rs. 4,08,11,569Rs. 2,68,47,786
11Rs. 3,67,30,412Rs. 2,51,12,509
12Rs. 3,26,49,255Rs. 2,32,14,450
13Rs. 2,85,68,099Rs. 2,11,38,340
14Rs. 2,44,86,942Rs. 1,88,67,477
15Rs. 2,04,05,785Rs. 1,63,83,591
16Rs. 1,63,24,628Rs. 1,36,66,700
17Rs. 1,22,43,471Rs. 1,06,94,946
18Rs. 81,62,314Rs. 74,44,420
19Rs. 40,81,157Rs. 38,88,973
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. 7,07,885Rs. 33,73,272Rs. 3,70,92,116
2Rs. 7,74,289Rs. 33,06,868Rs. 3,63,17,827
3Rs. 8,46,923Rs. 32,34,234Rs. 3,54,70,904
4Rs. 9,26,370Rs. 31,54,787Rs. 3,45,44,534
5Rs. 10,13,270Rs. 30,67,887Rs. 3,35,31,265
6Rs. 11,08,321Rs. 29,72,836Rs. 3,24,22,943
7Rs. 12,12,290Rs. 28,68,867Rs. 3,12,10,654
8Rs. 13,26,011Rs. 27,55,146Rs. 2,98,84,643
9Rs. 14,50,400Rs. 26,30,757Rs. 2,84,34,243
10Rs. 15,86,457Rs. 24,94,700Rs. 2,68,47,786
11Rs. 17,35,278Rs. 23,45,879Rs. 2,51,12,509
12Rs. 18,98,059Rs. 21,83,098Rs. 2,32,14,450
13Rs. 20,76,110Rs. 20,05,047Rs. 2,11,38,340
14Rs. 22,70,863Rs. 18,10,294Rs. 1,88,67,477
15Rs. 24,83,886Rs. 15,97,271Rs. 1,63,83,591
16Rs. 27,16,891Rs. 13,64,266Rs. 1,36,66,700
17Rs. 29,71,755Rs. 11,09,402Rs. 1,06,94,946
18Rs. 32,50,526Rs. 8,30,631Rs. 74,44,420
19Rs. 35,55,447Rs. 5,25,710Rs. 38,88,973
20Rs. 38,88,973Rs. 1,92,184Rs. 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.

More calculators