Home Loan EMI Calculator
Set your property value, down payment and loan terms to see your monthly EMI.
%
Indicative only, using the standard reducing-balance formula. Actual EMI depends on the lender's terms and your credit profile.
Plan before you buy
Mortgage Calculator
Hover or tap any segment of the ring for the breakdown
Monthly EMI₹55,541
Property Value₹80,00,000
Down Payment₹16,00,00020% of property value
Loan Amount₹64,00,00080% of property value
Total Interest Expense₹69,29,765at 8.5% interest
Year-by-year amortisation
How your outstanding loan balance reduces over the tenure.
| Year | Principal paid | Interest paid | Balance remaining |
|---|---|---|---|
| Year 1 | ₹1,27,375 | ₹5,39,114 | ₹62,72,625 |
| Year 2 | ₹1,38,633 | ₹5,27,855 | ₹61,33,992 |
| Year 3 | ₹1,50,887 | ₹5,15,601 | ₹59,83,105 |
| Year 4 | ₹1,64,224 | ₹5,02,264 | ₹58,18,880 |
| Year 5 | ₹1,78,740 | ₹4,87,748 | ₹56,40,140 |
| Year 6 | ₹1,94,539 | ₹4,71,949 | ₹54,45,600 |
| Year 7 | ₹2,11,735 | ₹4,54,753 | ₹52,33,865 |
| Year 8 | ₹2,30,450 | ₹4,36,038 | ₹50,03,415 |
| Year 9 | ₹2,50,820 | ₹4,15,668 | ₹47,52,595 |
| Year 10 | ₹2,72,990 | ₹3,93,498 | ₹44,79,605 |
| Year 11 | ₹2,97,120 | ₹3,69,368 | ₹41,82,485 |
| Year 12 | ₹3,23,383 | ₹3,43,105 | ₹38,59,102 |
| Year 13 | ₹3,51,967 | ₹3,14,521 | ₹35,07,135 |
| Year 14 | ₹3,83,078 | ₹2,83,411 | ₹31,24,057 |
| Year 15 | ₹4,16,938 | ₹2,49,550 | ₹27,07,119 |
| Year 16 | ₹4,53,792 | ₹2,12,696 | ₹22,53,327 |
| Year 17 | ₹4,93,903 | ₹1,72,585 | ₹17,59,424 |
| Year 18 | ₹5,37,559 | ₹1,28,929 | ₹12,21,865 |
| Year 19 | ₹5,85,075 | ₹81,414 | ₹6,36,790 |
| Year 20 | ₹6,36,790 | ₹29,698 | ₹0 |