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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. 57,942.35

Total repaid
Rs. 1,39,06,164
Total interest
Rs. 74,66,164
Time to repay
20.0 years

Where your money goes

  • Loan amount (principal): Rs. 64,40,000 (46%)
  • Interest: Rs. 74,66,164 (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. 1,39,06,164Rs. 64,40,000
1Rs. 1,32,10,856Rs. 63,19,397
2Rs. 1,25,15,548Rs. 61,87,482
3Rs. 1,18,20,240Rs. 60,43,191
4Rs. 1,11,24,932Rs. 58,85,365
5Rs. 1,04,29,623Rs. 57,12,734
6Rs. 97,34,315Rs. 55,23,909
7Rs. 90,39,007Rs. 53,17,371
8Rs. 83,43,699Rs. 50,91,458
9Rs. 76,48,390Rs. 48,44,353
10Rs. 69,53,082Rs. 45,74,067
11Rs. 62,57,774Rs. 42,78,427
12Rs. 55,62,466Rs. 39,55,054
13Rs. 48,67,158Rs. 36,01,347
14Rs. 41,71,849Rs. 32,14,459
15Rs. 34,76,541Rs. 27,91,279
16Rs. 27,81,233Rs. 23,28,401
17Rs. 20,85,925Rs. 18,22,102
18Rs. 13,90,616Rs. 12,68,309
19Rs. 6,95,308Rs. 6,62,566
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. 1,20,603Rs. 5,74,706Rs. 63,19,397
2Rs. 1,31,916Rs. 5,63,392Rs. 61,87,482
3Rs. 1,44,291Rs. 5,51,018Rs. 60,43,191
4Rs. 1,57,826Rs. 5,37,482Rs. 58,85,365
5Rs. 1,72,631Rs. 5,22,677Rs. 57,12,734
6Rs. 1,88,825Rs. 5,06,483Rs. 55,23,909
7Rs. 2,06,538Rs. 4,88,770Rs. 53,17,371
8Rs. 2,25,913Rs. 4,69,395Rs. 50,91,458
9Rs. 2,47,105Rs. 4,48,203Rs. 48,44,353
10Rs. 2,70,285Rs. 4,25,023Rs. 45,74,067
11Rs. 2,95,640Rs. 3,99,668Rs. 42,78,427
12Rs. 3,23,373Rs. 3,71,935Rs. 39,55,054
13Rs. 3,53,708Rs. 3,41,601Rs. 36,01,347
14Rs. 3,86,888Rs. 3,08,420Rs. 32,14,459
15Rs. 4,23,181Rs. 2,72,128Rs. 27,91,279
16Rs. 4,62,878Rs. 2,32,430Rs. 23,28,401
17Rs. 5,06,299Rs. 1,89,009Rs. 18,22,102
18Rs. 5,53,793Rs. 1,41,515Rs. 12,68,309
19Rs. 6,05,743Rs. 89,565Rs. 6,62,566
20Rs. 6,62,566Rs. 32,742Rs. 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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