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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. 79,355.83

Total repaid
Rs. 1,90,45,399
Total interest
Rs. 1,02,25,399
Time to repay
20.0 years

Where your money goes

  • Loan amount (principal): Rs. 88,20,000 (46%)
  • Interest: Rs. 1,02,25,399 (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. 1,90,45,399Rs. 88,20,000
1Rs. 1,80,93,129Rs. 86,54,827
2Rs. 1,71,40,859Rs. 84,74,160
3Rs. 1,61,88,589Rs. 82,76,544
4Rs. 1,52,36,319Rs. 80,60,391
5Rs. 1,42,84,049Rs. 78,23,962
6Rs. 1,33,31,779Rs. 75,65,353
7Rs. 1,23,79,509Rs. 72,82,486
8Rs. 1,14,27,239Rs. 69,73,083
9Rs. 1,04,74,969Rs. 66,34,657
10Rs. 95,22,700Rs. 62,64,483
11Rs. 85,70,430Rs. 58,59,585
12Rs. 76,18,160Rs. 54,16,705
13Rs. 66,65,890Rs. 49,32,279
14Rs. 57,13,620Rs. 44,02,411
15Rs. 47,61,350Rs. 38,22,838
16Rs. 38,09,080Rs. 31,88,897
17Rs. 28,56,810Rs. 24,95,487
18Rs. 19,04,540Rs. 17,37,031
19Rs. 9,52,270Rs. 9,07,427
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. 1,65,173Rs. 7,87,097Rs. 86,54,827
2Rs. 1,80,667Rs. 7,71,603Rs. 84,74,160
3Rs. 1,97,615Rs. 7,54,655Rs. 82,76,544
4Rs. 2,16,153Rs. 7,36,117Rs. 80,60,391
5Rs. 2,36,430Rs. 7,15,840Rs. 78,23,962
6Rs. 2,58,608Rs. 6,93,662Rs. 75,65,353
7Rs. 2,82,868Rs. 6,69,402Rs. 72,82,486
8Rs. 3,09,402Rs. 6,42,867Rs. 69,73,083
9Rs. 3,38,427Rs. 6,13,843Rs. 66,34,657
10Rs. 3,70,173Rs. 5,82,097Rs. 62,64,483
11Rs. 4,04,898Rs. 5,47,372Rs. 58,59,585
12Rs. 4,42,880Rs. 5,09,390Rs. 54,16,705
13Rs. 4,84,426Rs. 4,67,844Rs. 49,32,279
14Rs. 5,29,868Rs. 4,22,402Rs. 44,02,411
15Rs. 5,79,573Rs. 3,72,697Rs. 38,22,838
16Rs. 6,33,941Rs. 3,18,329Rs. 31,88,897
17Rs. 6,93,409Rs. 2,58,861Rs. 24,95,487
18Rs. 7,58,456Rs. 1,93,814Rs. 17,37,031
19Rs. 8,29,604Rs. 1,22,666Rs. 9,07,427
20Rs. 9,07,427Rs. 44,843Rs. 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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