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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. 61,721.20

Total repaid
Rs. 1,48,13,088
Total interest
Rs. 79,53,088
Time to repay
20.0 years

Where your money goes

  • Loan amount (principal): Rs. 68,60,000 (46%)
  • Interest: Rs. 79,53,088 (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. 1,48,13,088Rs. 68,60,000
1Rs. 1,40,72,434Rs. 67,31,532
2Rs. 1,33,31,779Rs. 65,91,013
3Rs. 1,25,91,125Rs. 64,37,312
4Rs. 1,18,50,471Rs. 62,69,193
5Rs. 1,11,09,816Rs. 60,85,304
6Rs. 1,03,69,162Rs. 58,84,164
7Rs. 96,28,507Rs. 56,64,156
8Rs. 88,87,853Rs. 54,23,509
9Rs. 81,47,198Rs. 51,60,289
10Rs. 74,06,544Rs. 48,72,376
11Rs. 66,65,890Rs. 45,57,455
12Rs. 59,25,235Rs. 42,12,993
13Rs. 51,84,581Rs. 38,36,217
14Rs. 44,43,926Rs. 34,24,098
15Rs. 37,03,272Rs. 29,73,318
16Rs. 29,62,618Rs. 24,80,253
17Rs. 22,21,963Rs. 19,40,935
18Rs. 14,81,309Rs. 13,51,024
19Rs. 7,40,654Rs. 7,05,777
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. 1,28,468Rs. 6,12,186Rs. 67,31,532
2Rs. 1,40,519Rs. 6,00,135Rs. 65,91,013
3Rs. 1,53,701Rs. 5,86,954Rs. 64,37,312
4Rs. 1,68,119Rs. 5,72,535Rs. 62,69,193
5Rs. 1,83,890Rs. 5,56,765Rs. 60,85,304
6Rs. 2,01,140Rs. 5,39,515Rs. 58,84,164
7Rs. 2,20,008Rs. 5,20,646Rs. 56,64,156
8Rs. 2,40,646Rs. 5,00,008Rs. 54,23,509
9Rs. 2,63,221Rs. 4,77,434Rs. 51,60,289
10Rs. 2,87,913Rs. 4,52,742Rs. 48,72,376
11Rs. 3,14,921Rs. 4,25,734Rs. 45,57,455
12Rs. 3,44,463Rs. 3,96,192Rs. 42,12,993
13Rs. 3,76,775Rs. 3,63,879Rs. 38,36,217
14Rs. 4,12,120Rs. 3,28,535Rs. 34,24,098
15Rs. 4,50,779Rs. 2,89,875Rs. 29,73,318
16Rs. 4,93,065Rs. 2,47,589Rs. 24,80,253
17Rs. 5,39,318Rs. 2,01,336Rs. 19,40,935
18Rs. 5,89,910Rs. 1,50,744Rs. 13,51,024
19Rs. 6,45,248Rs. 95,407Rs. 7,05,777
20Rs. 7,05,777Rs. 34,878Rs. 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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