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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. 47,235.61

Total repaid
Rs. 1,13,36,547
Total interest
Rs. 60,86,547
Time to repay
20.0 years

Where your money goes

  • Loan amount (principal): Rs. 52,50,000 (46%)
  • Interest: Rs. 60,86,547 (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. 1,13,36,547Rs. 52,50,000
1Rs. 1,07,69,720Rs. 51,51,683
2Rs. 1,02,02,892Rs. 50,44,143
3Rs. 96,36,065Rs. 49,26,514
4Rs. 90,69,238Rs. 47,97,852
5Rs. 85,02,410Rs. 46,57,120
6Rs. 79,35,583Rs. 45,03,187
7Rs. 73,68,756Rs. 43,34,813
8Rs. 68,01,928Rs. 41,50,645
9Rs. 62,35,101Rs. 39,49,200
10Rs. 56,68,274Rs. 37,28,859
11Rs. 51,01,446Rs. 34,87,848
12Rs. 45,34,619Rs. 32,24,229
13Rs. 39,67,791Rs. 29,35,881
14Rs. 34,00,964Rs. 26,20,483
15Rs. 28,34,137Rs. 22,75,499
16Rs. 22,67,309Rs. 18,98,153
17Rs. 17,00,482Rs. 14,85,409
18Rs. 11,33,655Rs. 10,33,947
19Rs. 5,66,827Rs. 5,40,135
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. 98,317Rs. 4,68,510Rs. 51,51,683
2Rs. 1,07,540Rs. 4,59,287Rs. 50,44,143
3Rs. 1,17,628Rs. 4,49,199Rs. 49,26,514
4Rs. 1,28,662Rs. 4,38,165Rs. 47,97,852
5Rs. 1,40,732Rs. 4,26,095Rs. 46,57,120
6Rs. 1,53,934Rs. 4,12,894Rs. 45,03,187
7Rs. 1,68,374Rs. 3,98,454Rs. 43,34,813
8Rs. 1,84,168Rs. 3,82,659Rs. 41,50,645
9Rs. 2,01,444Rs. 3,65,383Rs. 39,49,200
10Rs. 2,20,341Rs. 3,46,486Rs. 37,28,859
11Rs. 2,41,011Rs. 3,25,817Rs. 34,87,848
12Rs. 2,63,619Rs. 3,03,208Rs. 32,24,229
13Rs. 2,88,349Rs. 2,78,479Rs. 29,35,881
14Rs. 3,15,398Rs. 2,51,430Rs. 26,20,483
15Rs. 3,44,984Rs. 2,21,843Rs. 22,75,499
16Rs. 3,77,346Rs. 1,89,481Rs. 18,98,153
17Rs. 4,12,744Rs. 1,54,084Rs. 14,85,409
18Rs. 4,51,462Rs. 1,15,365Rs. 10,33,947
19Rs. 4,93,812Rs. 73,015Rs. 5,40,135
20Rs. 5,40,135Rs. 26,692Rs. 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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