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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. 37,788.49

Total repaid
Rs. 90,69,238
Total interest
Rs. 48,69,238
Time to repay
20.0 years

Where your money goes

  • Loan amount (principal): Rs. 42,00,000 (46%)
  • Interest: Rs. 48,69,238 (54%)
What you'd still owe, year by year
025 L50 L75 L1 Cr05101520
Show as table
YearStill to pay (with interest)Loan balance
0Rs. 90,69,238Rs. 42,00,000
1Rs. 86,15,776Rs. 41,21,346
2Rs. 81,62,314Rs. 40,35,314
3Rs. 77,08,852Rs. 39,41,212
4Rs. 72,55,390Rs. 38,38,282
5Rs. 68,01,928Rs. 37,25,696
6Rs. 63,48,466Rs. 36,02,549
7Rs. 58,95,004Rs. 34,67,850
8Rs. 54,41,543Rs. 33,20,516
9Rs. 49,88,081Rs. 31,59,360
10Rs. 45,34,619Rs. 29,83,087
11Rs. 40,81,157Rs. 27,90,279
12Rs. 36,27,695Rs. 25,79,383
13Rs. 31,74,233Rs. 23,48,704
14Rs. 27,20,771Rs. 20,96,386
15Rs. 22,67,309Rs. 18,20,399
16Rs. 18,13,847Rs. 15,18,522
17Rs. 13,60,386Rs. 11,88,327
18Rs. 9,06,924Rs. 8,27,158
19Rs. 4,53,462Rs. 4,32,108
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. 78,654Rs. 3,74,808Rs. 41,21,346
2Rs. 86,032Rs. 3,67,430Rs. 40,35,314
3Rs. 94,103Rs. 3,59,359Rs. 39,41,212
4Rs. 1,02,930Rs. 3,50,532Rs. 38,38,282
5Rs. 1,12,586Rs. 3,40,876Rs. 37,25,696
6Rs. 1,23,147Rs. 3,30,315Rs. 36,02,549
7Rs. 1,34,699Rs. 3,18,763Rs. 34,67,850
8Rs. 1,47,335Rs. 3,06,127Rs. 33,20,516
9Rs. 1,61,156Rs. 2,92,306Rs. 31,59,360
10Rs. 1,76,273Rs. 2,77,189Rs. 29,83,087
11Rs. 1,92,809Rs. 2,60,653Rs. 27,90,279
12Rs. 2,10,895Rs. 2,42,566Rs. 25,79,383
13Rs. 2,30,679Rs. 2,22,783Rs. 23,48,704
14Rs. 2,52,318Rs. 2,01,144Rs. 20,96,386
15Rs. 2,75,987Rs. 1,77,475Rs. 18,20,399
16Rs. 3,01,877Rs. 1,51,585Rs. 15,18,522
17Rs. 3,30,195Rs. 1,23,267Rs. 11,88,327
18Rs. 3,61,170Rs. 92,292Rs. 8,27,158
19Rs. 3,95,050Rs. 58,412Rs. 4,32,108
20Rs. 4,32,108Rs. 21,354Rs. 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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