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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. 75,576.98

Total repaid
Rs. 1,81,38,475
Total interest
Rs. 97,38,475
Time to repay
20.0 years

Where your money goes

  • Loan amount (principal): Rs. 84,00,000 (46%)
  • Interest: Rs. 97,38,475 (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. 1,81,38,475Rs. 84,00,000
1Rs. 1,72,31,552Rs. 82,42,692
2Rs. 1,63,24,628Rs. 80,70,628
3Rs. 1,54,17,704Rs. 78,82,423
4Rs. 1,45,10,780Rs. 76,76,563
5Rs. 1,36,03,856Rs. 74,51,392
6Rs. 1,26,96,933Rs. 72,05,098
7Rs. 1,17,90,009Rs. 69,35,701
8Rs. 1,08,83,085Rs. 66,41,032
9Rs. 99,76,161Rs. 63,18,721
10Rs. 90,69,238Rs. 59,66,175
11Rs. 81,62,314Rs. 55,80,557
12Rs. 72,55,390Rs. 51,58,767
13Rs. 63,48,466Rs. 46,97,409
14Rs. 54,41,543Rs. 41,92,773
15Rs. 45,34,619Rs. 36,40,798
16Rs. 36,27,695Rs. 30,37,044
17Rs. 27,20,771Rs. 23,76,655
18Rs. 18,13,848Rs. 16,54,316
19Rs. 9,06,924Rs. 8,64,216
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. 1,57,308Rs. 7,49,616Rs. 82,42,692
2Rs. 1,72,064Rs. 7,34,860Rs. 80,70,628
3Rs. 1,88,205Rs. 7,18,719Rs. 78,82,423
4Rs. 2,05,860Rs. 7,01,064Rs. 76,76,563
5Rs. 2,25,171Rs. 6,81,753Rs. 74,51,392
6Rs. 2,46,294Rs. 6,60,630Rs. 72,05,098
7Rs. 2,69,398Rs. 6,37,526Rs. 69,35,701
8Rs. 2,94,669Rs. 6,12,255Rs. 66,41,032
9Rs. 3,22,311Rs. 5,84,613Rs. 63,18,721
10Rs. 3,52,546Rs. 5,54,378Rs. 59,66,175
11Rs. 3,85,617Rs. 5,21,307Rs. 55,80,557
12Rs. 4,21,791Rs. 4,85,133Rs. 51,58,767
13Rs. 4,61,358Rs. 4,45,566Rs. 46,97,409
14Rs. 5,04,636Rs. 4,02,288Rs. 41,92,773
15Rs. 5,51,975Rs. 3,54,949Rs. 36,40,798
16Rs. 6,03,754Rs. 3,03,170Rs. 30,37,044
17Rs. 6,60,390Rs. 2,46,534Rs. 23,76,655
18Rs. 7,22,339Rs. 1,84,585Rs. 16,54,316
19Rs. 7,90,099Rs. 1,16,824Rs. 8,64,216
20Rs. 8,64,216Rs. 42,708Rs. 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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