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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. 70,538.51

Total repaid
Rs. 1,69,29,244
Total interest
Rs. 90,89,244
Time to repay
20.0 years

Where your money goes

  • Loan amount (principal): Rs. 78,40,000 (46%)
  • Interest: Rs. 90,89,244 (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. 1,69,29,244Rs. 78,40,000
1Rs. 1,60,82,781Rs. 76,93,180
2Rs. 1,52,36,319Rs. 75,32,586
3Rs. 1,43,89,857Rs. 73,56,928
4Rs. 1,35,43,395Rs. 71,64,792
5Rs. 1,26,96,933Rs. 69,54,633
6Rs. 1,18,50,471Rs. 67,24,759
7Rs. 1,10,04,008Rs. 64,73,321
8Rs. 1,01,57,546Rs. 61,98,296
9Rs. 93,11,084Rs. 58,97,473
10Rs. 84,64,622Rs. 55,68,430
11Rs. 76,18,160Rs. 52,08,520
12Rs. 67,71,697Rs. 48,14,849
13Rs. 59,25,235Rs. 43,84,248
14Rs. 50,78,773Rs. 39,13,255
15Rs. 42,32,311Rs. 33,98,078
16Rs. 33,85,849Rs. 28,34,575
17Rs. 25,39,387Rs. 22,18,211
18Rs. 16,92,924Rs. 15,44,028
19Rs. 8,46,462Rs. 8,06,602
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. 1,46,820Rs. 6,99,642Rs. 76,93,180
2Rs. 1,60,593Rs. 6,85,869Rs. 75,32,586
3Rs. 1,75,658Rs. 6,70,804Rs. 73,56,928
4Rs. 1,92,136Rs. 6,54,326Rs. 71,64,792
5Rs. 2,10,160Rs. 6,36,303Rs. 69,54,633
6Rs. 2,29,874Rs. 6,16,588Rs. 67,24,759
7Rs. 2,51,438Rs. 5,95,024Rs. 64,73,321
8Rs. 2,75,024Rs. 5,71,438Rs. 61,98,296
9Rs. 3,00,824Rs. 5,45,639Rs. 58,97,473
10Rs. 3,29,043Rs. 5,17,419Rs. 55,68,430
11Rs. 3,59,909Rs. 4,86,553Rs. 52,08,520
12Rs. 3,93,671Rs. 4,52,791Rs. 48,14,849
13Rs. 4,30,601Rs. 4,15,862Rs. 43,84,248
14Rs. 4,70,994Rs. 3,75,468Rs. 39,13,255
15Rs. 5,15,176Rs. 3,31,286Rs. 33,98,078
16Rs. 5,63,503Rs. 2,82,959Rs. 28,34,575
17Rs. 6,16,364Rs. 2,30,098Rs. 22,18,211
18Rs. 6,74,183Rs. 1,72,279Rs. 15,44,028
19Rs. 7,37,426Rs. 1,09,036Rs. 8,06,602
20Rs. 8,06,602Rs. 39,860Rs. 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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