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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. 43,456.76

Total repaid
Rs. 1,04,29,623
Total interest
Rs. 55,99,623
Time to repay
20.0 years

Where your money goes

  • Loan amount (principal): Rs. 48,30,000 (46%)
  • Interest: Rs. 55,99,623 (54%)
What you'd still owe, year by year
050 L1 Cr1.5 Cr05101520
Show as table
YearStill to pay (with interest)Loan balance
0Rs. 1,04,29,623Rs. 48,30,000
1Rs. 99,08,142Rs. 47,39,548
2Rs. 93,86,661Rs. 46,40,611
3Rs. 88,65,180Rs. 45,32,393
4Rs. 83,43,699Rs. 44,14,024
5Rs. 78,22,217Rs. 42,84,550
6Rs. 73,00,736Rs. 41,42,932
7Rs. 67,79,255Rs. 39,88,028
8Rs. 62,57,774Rs. 38,18,593
9Rs. 57,36,293Rs. 36,33,264
10Rs. 52,14,812Rs. 34,30,550
11Rs. 46,93,330Rs. 32,08,821
12Rs. 41,71,849Rs. 29,66,291
13Rs. 36,50,368Rs. 27,01,010
14Rs. 31,28,887Rs. 24,10,844
15Rs. 26,07,406Rs. 20,93,459
16Rs. 20,85,925Rs. 17,46,301
17Rs. 15,64,443Rs. 13,66,576
18Rs. 10,42,962Rs. 9,51,231
19Rs. 5,21,481Rs. 4,96,924
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. 90,452Rs. 4,31,029Rs. 47,39,548
2Rs. 98,937Rs. 4,22,544Rs. 46,40,611
3Rs. 1,08,218Rs. 4,13,263Rs. 45,32,393
4Rs. 1,18,369Rs. 4,03,112Rs. 44,14,024
5Rs. 1,29,473Rs. 3,92,008Rs. 42,84,550
6Rs. 1,41,619Rs. 3,79,862Rs. 41,42,932
7Rs. 1,54,904Rs. 3,66,578Rs. 39,88,028
8Rs. 1,69,435Rs. 3,52,046Rs. 38,18,593
9Rs. 1,85,329Rs. 3,36,152Rs. 36,33,264
10Rs. 2,02,714Rs. 3,18,767Rs. 34,30,550
11Rs. 2,21,730Rs. 2,99,751Rs. 32,08,821
12Rs. 2,42,530Rs. 2,78,951Rs. 29,66,291
13Rs. 2,65,281Rs. 2,56,200Rs. 27,01,010
14Rs. 2,90,166Rs. 2,31,315Rs. 24,10,844
15Rs. 3,17,385Rs. 2,04,096Rs. 20,93,459
16Rs. 3,47,158Rs. 1,74,323Rs. 17,46,301
17Rs. 3,79,724Rs. 1,41,757Rs. 13,66,576
18Rs. 4,15,345Rs. 1,06,136Rs. 9,51,231
19Rs. 4,54,307Rs. 67,174Rs. 4,96,924
20Rs. 4,96,924Rs. 24,557Rs. 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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