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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. 52,903.89

Total repaid
Rs. 1,26,96,933
Total interest
Rs. 68,16,933
Time to repay
20.0 years

Where your money goes

  • Loan amount (principal): Rs. 58,80,000 (46%)
  • Interest: Rs. 68,16,933 (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. 1,26,96,933Rs. 58,80,000
1Rs. 1,20,62,086Rs. 57,69,885
2Rs. 1,14,27,239Rs. 56,49,440
3Rs. 1,07,92,393Rs. 55,17,696
4Rs. 1,01,57,546Rs. 53,73,594
5Rs. 95,22,700Rs. 52,15,974
6Rs. 88,87,853Rs. 50,43,569
7Rs. 82,53,006Rs. 48,54,991
8Rs. 76,18,160Rs. 46,48,722
9Rs. 69,83,313Rs. 44,23,105
10Rs. 63,48,466Rs. 41,76,322
11Rs. 57,13,620Rs. 39,06,390
12Rs. 50,78,773Rs. 36,11,137
13Rs. 44,43,926Rs. 32,88,186
14Rs. 38,09,080Rs. 29,34,941
15Rs. 31,74,233Rs. 25,48,559
16Rs. 25,39,387Rs. 21,25,931
17Rs. 19,04,540Rs. 16,63,658
18Rs. 12,69,693Rs. 11,58,021
19Rs. 6,34,847Rs. 6,04,951
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. 1,10,115Rs. 5,24,731Rs. 57,69,885
2Rs. 1,20,445Rs. 5,14,402Rs. 56,49,440
3Rs. 1,31,744Rs. 5,03,103Rs. 55,17,696
4Rs. 1,44,102Rs. 4,90,745Rs. 53,73,594
5Rs. 1,57,620Rs. 4,77,227Rs. 52,15,974
6Rs. 1,72,406Rs. 4,62,441Rs. 50,43,569
7Rs. 1,88,578Rs. 4,46,268Rs. 48,54,991
8Rs. 2,06,268Rs. 4,28,578Rs. 46,48,722
9Rs. 2,25,618Rs. 4,09,229Rs. 44,23,105
10Rs. 2,46,782Rs. 3,88,064Rs. 41,76,322
11Rs. 2,69,932Rs. 3,64,915Rs. 39,06,390
12Rs. 2,95,254Rs. 3,39,593Rs. 36,11,137
13Rs. 3,22,950Rs. 3,11,896Rs. 32,88,186
14Rs. 3,53,245Rs. 2,81,601Rs. 29,34,941
15Rs. 3,86,382Rs. 2,48,464Rs. 25,48,559
16Rs. 4,22,628Rs. 2,12,219Rs. 21,25,931
17Rs. 4,62,273Rs. 1,72,574Rs. 16,63,658
18Rs. 5,05,637Rs. 1,29,209Rs. 11,58,021
19Rs. 5,53,070Rs. 81,777Rs. 6,04,951
20Rs. 6,04,951Rs. 29,895Rs. 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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