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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. 74,947.17

Total repaid
Rs. 1,79,87,321
Total interest
Rs. 96,57,321
Time to repay
20.0 years

Where your money goes

  • Loan amount (principal): Rs. 83,30,000 (46%)
  • Interest: Rs. 96,57,321 (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. 1,79,87,321Rs. 83,30,000
1Rs. 1,70,87,955Rs. 81,74,003
2Rs. 1,61,88,589Rs. 80,03,373
3Rs. 1,52,89,223Rs. 78,16,736
4Rs. 1,43,89,857Rs. 76,12,592
5Rs. 1,34,90,491Rs. 73,89,297
6Rs. 1,25,91,125Rs. 71,45,056
7Rs. 1,16,91,759Rs. 68,77,903
8Rs. 1,07,92,393Rs. 65,85,690
9Rs. 98,93,027Rs. 62,66,065
10Rs. 89,93,661Rs. 59,16,457
11Rs. 80,94,295Rs. 55,34,053
12Rs. 71,94,929Rs. 51,15,777
13Rs. 62,95,562Rs. 46,58,264
14Rs. 53,96,196Rs. 41,57,833
15Rs. 44,96,830Rs. 36,10,458
16Rs. 35,97,464Rs. 30,11,736
17Rs. 26,98,098Rs. 23,56,849
18Rs. 17,98,732Rs. 16,40,530
19Rs. 8,99,366Rs. 8,57,014
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. 1,55,997Rs. 7,43,369Rs. 81,74,003
2Rs. 1,70,630Rs. 7,28,736Rs. 80,03,373
3Rs. 1,86,637Rs. 7,12,729Rs. 78,16,736
4Rs. 2,04,144Rs. 6,95,222Rs. 76,12,592
5Rs. 2,23,295Rs. 6,76,071Rs. 73,89,297
6Rs. 2,44,241Rs. 6,55,125Rs. 71,45,056
7Rs. 2,67,153Rs. 6,32,213Rs. 68,77,903
8Rs. 2,92,213Rs. 6,07,153Rs. 65,85,690
9Rs. 3,19,625Rs. 5,79,741Rs. 62,66,065
10Rs. 3,49,608Rs. 5,49,758Rs. 59,16,457
11Rs. 3,82,404Rs. 5,16,962Rs. 55,34,053
12Rs. 4,18,276Rs. 4,81,090Rs. 51,15,777
13Rs. 4,57,513Rs. 4,41,853Rs. 46,58,264
14Rs. 5,00,431Rs. 3,98,935Rs. 41,57,833
15Rs. 5,47,375Rs. 3,51,991Rs. 36,10,458
16Rs. 5,98,722Rs. 3,00,644Rs. 30,11,736
17Rs. 6,54,887Rs. 2,44,479Rs. 23,56,849
18Rs. 7,16,320Rs. 1,83,047Rs. 16,40,530
19Rs. 7,83,515Rs. 1,15,851Rs. 8,57,014
20Rs. 8,57,014Rs. 42,352Rs. 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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