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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. 62,980.82

Total repaid
Rs. 1,51,15,396
Total interest
Rs. 81,15,396
Time to repay
20.0 years

Where your money goes

  • Loan amount (principal): Rs. 70,00,000 (46%)
  • Interest: Rs. 81,15,396 (54%)
What you'd still owe, year by year
050 L1 Cr1.5 Cr2 Cr05101520
Show as table
YearStill to pay (with interest)Loan balance
0Rs. 1,51,15,396Rs. 70,00,000
1Rs. 1,43,59,626Rs. 68,68,910
2Rs. 1,36,03,856Rs. 67,25,523
3Rs. 1,28,48,087Rs. 65,68,686
4Rs. 1,20,92,317Rs. 63,97,136
5Rs. 1,13,36,547Rs. 62,09,493
6Rs. 1,05,80,777Rs. 60,04,249
7Rs. 98,25,007Rs. 57,79,751
8Rs. 90,69,238Rs. 55,34,193
9Rs. 83,13,468Rs. 52,65,601
10Rs. 75,57,698Rs. 49,71,812
11Rs. 68,01,928Rs. 46,50,465
12Rs. 60,46,158Rs. 42,98,972
13Rs. 52,90,389Rs. 39,14,507
14Rs. 45,34,619Rs. 34,93,977
15Rs. 37,78,849Rs. 30,33,998
16Rs. 30,23,079Rs. 25,30,870
17Rs. 22,67,309Rs. 19,80,545
18Rs. 15,11,540Rs. 13,78,596
19Rs. 7,55,770Rs. 7,20,180
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. 1,31,090Rs. 6,24,680Rs. 68,68,910
2Rs. 1,43,387Rs. 6,12,383Rs. 67,25,523
3Rs. 1,56,838Rs. 5,98,932Rs. 65,68,686
4Rs. 1,71,550Rs. 5,84,220Rs. 63,97,136
5Rs. 1,87,643Rs. 5,68,127Rs. 62,09,493
6Rs. 2,05,245Rs. 5,50,525Rs. 60,04,249
7Rs. 2,24,498Rs. 5,31,272Rs. 57,79,751
8Rs. 2,45,558Rs. 5,10,212Rs. 55,34,193
9Rs. 2,68,593Rs. 4,87,177Rs. 52,65,601
10Rs. 2,93,788Rs. 4,61,981Rs. 49,71,812
11Rs. 3,21,348Rs. 4,34,422Rs. 46,50,465
12Rs. 3,51,492Rs. 4,04,277Rs. 42,98,972
13Rs. 3,84,465Rs. 3,71,305Rs. 39,14,507
14Rs. 4,20,530Rs. 3,35,240Rs. 34,93,977
15Rs. 4,59,979Rs. 2,95,791Rs. 30,33,998
16Rs. 5,03,128Rs. 2,52,642Rs. 25,30,870
17Rs. 5,50,325Rs. 2,05,445Rs. 19,80,545
18Rs. 6,01,949Rs. 1,53,821Rs. 13,78,596
19Rs. 6,58,416Rs. 97,354Rs. 7,20,180
20Rs. 7,20,180Rs. 35,590Rs. 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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