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.
Estimated monthly EMI (principal & interest)
Rs. 3,46,394.49
- Total repaid
- Rs. 8,31,34,678
- Total interest
- Rs. 4,46,34,678
- Time to repay
- 20.0 years
Where your money goes
- Loan amount (principal): Rs. 3,85,00,000 (46%)
- Interest: Rs. 4,46,34,678 (54%)
Show as table
| Year | Still to pay (with interest) | Loan balance |
|---|---|---|
| 0 | Rs. 8,31,34,678 | Rs. 3,85,00,000 |
| 1 | Rs. 7,89,77,944 | Rs. 3,77,79,007 |
| 2 | Rs. 7,48,21,210 | Rs. 3,69,90,379 |
| 3 | Rs. 7,06,64,477 | Rs. 3,61,27,773 |
| 4 | Rs. 6,65,07,743 | Rs. 3,51,84,248 |
| 5 | Rs. 6,23,51,009 | Rs. 3,41,52,214 |
| 6 | Rs. 5,81,94,275 | Rs. 3,30,23,368 |
| 7 | Rs. 5,40,37,541 | Rs. 3,17,88,629 |
| 8 | Rs. 4,98,80,807 | Rs. 3,04,38,062 |
| 9 | Rs. 4,57,24,073 | Rs. 2,89,60,804 |
| 10 | Rs. 4,15,67,339 | Rs. 2,73,44,968 |
| 11 | Rs. 3,74,10,605 | Rs. 2,55,77,555 |
| 12 | Rs. 3,32,53,871 | Rs. 2,36,44,347 |
| 13 | Rs. 2,90,97,137 | Rs. 2,15,29,791 |
| 14 | Rs. 2,49,40,404 | Rs. 1,92,16,875 |
| 15 | Rs. 2,07,83,670 | Rs. 1,66,86,991 |
| 16 | Rs. 1,66,26,936 | Rs. 1,39,19,787 |
| 17 | Rs. 1,24,70,202 | Rs. 1,08,93,000 |
| 18 | Rs. 83,13,468 | Rs. 75,82,280 |
| 19 | Rs. 41,56,734 | Rs. 39,60,991 |
| 20 | Rs. 0 | Rs. 0 |
Repayment schedule
What you pay each year and the loan balance at the end of it.
| Year | Principal paid | Interest paid | Balance at year end |
|---|---|---|---|
| 1 | Rs. 7,20,993 | Rs. 34,35,740 | Rs. 3,77,79,007 |
| 2 | Rs. 7,88,628 | Rs. 33,68,106 | Rs. 3,69,90,379 |
| 3 | Rs. 8,62,606 | Rs. 32,94,128 | Rs. 3,61,27,773 |
| 4 | Rs. 9,43,525 | Rs. 32,13,209 | Rs. 3,51,84,248 |
| 5 | Rs. 10,32,034 | Rs. 31,24,700 | Rs. 3,41,52,214 |
| 6 | Rs. 11,28,846 | Rs. 30,27,888 | Rs. 3,30,23,368 |
| 7 | Rs. 12,34,739 | Rs. 29,21,995 | Rs. 3,17,88,629 |
| 8 | Rs. 13,50,566 | Rs. 28,06,168 | Rs. 3,04,38,062 |
| 9 | Rs. 14,77,259 | Rs. 26,79,475 | Rs. 2,89,60,804 |
| 10 | Rs. 16,15,836 | Rs. 25,40,898 | Rs. 2,73,44,968 |
| 11 | Rs. 17,67,412 | Rs. 23,89,321 | Rs. 2,55,77,555 |
| 12 | Rs. 19,33,208 | Rs. 22,23,526 | Rs. 2,36,44,347 |
| 13 | Rs. 21,14,556 | Rs. 20,42,178 | Rs. 2,15,29,791 |
| 14 | Rs. 23,12,916 | Rs. 18,43,818 | Rs. 1,92,16,875 |
| 15 | Rs. 25,29,884 | Rs. 16,26,850 | Rs. 1,66,86,991 |
| 16 | Rs. 27,67,204 | Rs. 13,89,530 | Rs. 1,39,19,787 |
| 17 | Rs. 30,26,787 | Rs. 11,29,947 | Rs. 1,08,93,000 |
| 18 | Rs. 33,10,720 | Rs. 8,46,013 | Rs. 75,82,280 |
| 19 | Rs. 36,21,289 | Rs. 5,35,445 | Rs. 39,60,991 |
| 20 | Rs. 39,60,991 | Rs. 1,95,743 | Rs. 0 |
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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