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Loan repayment planner

Home Loan Repayment Calculator

Review the estimated monthly repayment, interest cost and repayment schedule for your home loan.

Plan with confidence

Calculate your repayment plan

Review the monthly repayment, interest cost and outstanding balance across the full loan term.

Loan details

Configure loan parameters

₹40,00,000
₹5,00,000₹3,00,00,000
8.5%
6%15%
₹35,000
Min. ₹29,000₹40,00,000

Monthly repayment presets

Estimated Monthly Repayment

₹35,000

Estimated payoff time: 235 months

Explore Home Loan Options

Loan summary

Proportional Breakdown

Principal Investment

₹40,00,000

49%

Interest Surcharge

₹42,22,590

51%

Total Repayment

₹82,22,590

Principal Interest Split
Loan planning guide

About this home loan repayment calculator

This home loan repayment calculator helps you plan a property purchase by showing the estimated monthly instalment, total interest and repayment schedule. Test a larger down payment or a shorter tenure to understand how each choice can affect your long-term borrowing cost.

How to use the calculator

  1. Set the amount you plan to borrow.
  2. Enter the annual interest rate offered or expected.
  3. Set the monthly repayment to see the estimated payoff time, total interest and schedule.
Common questions

Home Loan repayment calculator FAQs

What inputs do I need for a home loan loan repayment calculation?

Enter the expected loan amount, annual interest rate and tenure in months. The calculator estimates the monthly repayment and total interest.

Can I reduce my home loan loan repayment?

A higher down payment, lower interest rate, longer tenure or partial prepayment may reduce the EMI. Each option has different effects on total interest.

Repayment schedule

Amortization schedule

Detailed month-on-month principal and interest allocation breakdown.

TimelineMonthly RepaymentPrincipal ClearedInterest AccruedOutstanding Balance
Month 1₹35,000₹6,667₹28,333₹39,93,333
Month 2₹35,000₹6,714₹28,286₹39,86,619
Month 3₹35,000₹6,761₹28,239₹39,79,858
Month 4₹35,000₹6,809₹28,191₹39,73,049
Month 5₹35,000₹6,858₹28,142₹39,66,191
Month 6₹35,000₹6,906₹28,094₹39,59,285
Month 7₹35,000₹6,955₹28,045₹39,52,330
Month 8₹35,000₹7,004₹27,996₹39,45,326
Month 9₹35,000₹7,054₹27,946₹39,38,272
Month 10₹35,000₹7,104₹27,896₹39,31,168
Month 11₹35,000₹7,154₹27,846₹39,24,013
Month 12₹35,000₹7,205₹27,795₹39,16,809
Month 13₹35,000₹7,256₹27,744₹39,09,553
Month 14₹35,000₹7,307₹27,693₹39,02,245
Month 15₹35,000₹7,359₹27,641₹38,94,886
Month 16₹35,000₹7,411₹27,589₹38,87,475
Month 17₹35,000₹7,464₹27,536₹38,80,011
Month 18₹35,000₹7,517₹27,483₹38,72,495
Month 19₹35,000₹7,570₹27,430₹38,64,925
Month 20₹35,000₹7,623₹27,377₹38,57,301
Month 21₹35,000₹7,677₹27,323₹38,49,624
Month 22₹35,000₹7,732₹27,268₹38,41,892
Month 23₹35,000₹7,787₹27,213₹38,34,106
Month 24₹35,000₹7,842₹27,158₹38,26,264
Month 25₹35,000₹7,897₹27,103₹38,18,366
Month 26₹35,000₹7,953₹27,047₹38,10,413
Month 27₹35,000₹8,010₹26,990₹38,02,404
Month 28₹35,000₹8,066₹26,934₹37,94,337
Month 29₹35,000₹8,123₹26,877₹37,86,214
Month 30₹35,000₹8,181₹26,819₹37,78,033
Month 31₹35,000₹8,239₹26,761₹37,69,794
Month 32₹35,000₹8,297₹26,703₹37,61,497
Month 33₹35,000₹8,356₹26,644₹37,53,141
Month 34₹35,000₹8,415₹26,585₹37,44,725
Month 35₹35,000₹8,475₹26,525₹37,36,250
Month 36₹35,000₹8,535₹26,465₹37,27,716
Month 37₹35,000₹8,595₹26,405₹37,19,120
Month 38₹35,000₹8,656₹26,344₹37,10,464
Month 39₹35,000₹8,718₹26,282₹37,01,746
Month 40₹35,000₹8,779₹26,221₹36,92,967
Month 41₹35,000₹8,841₹26,159₹36,84,126
Month 42₹35,000₹8,904₹26,096₹36,75,222
Month 43₹35,000₹8,967₹26,033₹36,66,254
Month 44₹35,000₹9,031₹25,969₹36,57,224
Month 45₹35,000₹9,095₹25,905₹36,48,129
Month 46₹35,000₹9,159₹25,841₹36,38,970
Month 47₹35,000₹9,224₹25,776₹36,29,746
Month 48₹35,000₹9,289₹25,711₹36,20,457
Month 49₹35,000₹9,355₹25,645₹36,11,102
Month 50₹35,000₹9,421₹25,579₹36,01,680
Month 51₹35,000₹9,488₹25,512₹35,92,192
Month 52₹35,000₹9,555₹25,445₹35,82,637
Month 53₹35,000₹9,623₹25,377₹35,73,014
Month 54₹35,000₹9,691₹25,309₹35,63,323
Month 55₹35,000₹9,760₹25,240₹35,53,563
Month 56₹35,000₹9,829₹25,171₹35,43,734
Month 57₹35,000₹9,899₹25,101₹35,33,835
Month 58₹35,000₹9,969₹25,031₹35,23,867
Month 59₹35,000₹10,039₹24,961₹35,13,827
Month 60₹35,000₹10,110₹24,890₹35,03,717
Month 61₹35,000₹10,182₹24,818₹34,93,535
Month 62₹35,000₹10,254₹24,746₹34,83,281
Month 63₹35,000₹10,327₹24,673₹34,72,954
Month 64₹35,000₹10,400₹24,600₹34,62,554
Month 65₹35,000₹10,474₹24,526₹34,52,081
Month 66₹35,000₹10,548₹24,452₹34,41,533
Month 67₹35,000₹10,622₹24,378₹34,30,910
Month 68₹35,000₹10,698₹24,302₹34,20,213
Month 69₹35,000₹10,773₹24,227₹34,09,439
Month 70₹35,000₹10,850₹24,150₹33,98,589
Month 71₹35,000₹10,927₹24,073₹33,87,663
Month 72₹35,000₹11,004₹23,996₹33,76,659
Month 73₹35,000₹11,082₹23,918₹33,65,577
Month 74₹35,000₹11,160₹23,840₹33,54,416
Month 75₹35,000₹11,240₹23,760₹33,43,177
Month 76₹35,000₹11,319₹23,681₹33,31,858
Month 77₹35,000₹11,399₹23,601₹33,20,458
Month 78₹35,000₹11,480₹23,520₹33,08,978
Month 79₹35,000₹11,561₹23,439₹32,97,417
Month 80₹35,000₹11,643₹23,357₹32,85,773
Month 81₹35,000₹11,726₹23,274₹32,74,048
Month 82₹35,000₹11,809₹23,191₹32,62,239
Month 83₹35,000₹11,892₹23,108₹32,50,346
Month 84₹35,000₹11,977₹23,023₹32,38,370
Month 85₹35,000₹12,062₹22,938₹32,26,308
Month 86₹35,000₹12,147₹22,853₹32,14,161
Month 87₹35,000₹12,233₹22,767₹32,01,928
Month 88₹35,000₹12,320₹22,680₹31,89,608
Month 89₹35,000₹12,407₹22,593₹31,77,201
Month 90₹35,000₹12,495₹22,505₹31,64,707
Month 91₹35,000₹12,583₹22,417₹31,52,123
Month 92₹35,000₹12,672₹22,328₹31,39,451
Month 93₹35,000₹12,762₹22,238₹31,26,689
Month 94₹35,000₹12,853₹22,147₹31,13,836
Month 95₹35,000₹12,944₹22,056₹31,00,892
Month 96₹35,000₹13,035₹21,965₹30,87,857
Month 97₹35,000₹13,128₹21,872₹30,74,729
Month 98₹35,000₹13,221₹21,779₹30,61,509
Month 99₹35,000₹13,314₹21,686₹30,48,194
Month 100₹35,000₹13,409₹21,591₹30,34,786
Month 101₹35,000₹13,504₹21,496₹30,21,282
Month 102₹35,000₹13,599₹21,401₹30,07,683
Month 103₹35,000₹13,696₹21,304₹29,93,987
Month 104₹35,000₹13,793₹21,207₹29,80,195
Month 105₹35,000₹13,890₹21,110₹29,66,304
Month 106₹35,000₹13,989₹21,011₹29,52,316
Month 107₹35,000₹14,088₹20,912₹29,38,228
Month 108₹35,000₹14,188₹20,812₹29,24,040
Month 109₹35,000₹14,288₹20,712₹29,09,752
Month 110₹35,000₹14,389₹20,611₹28,95,363
Month 111₹35,000₹14,491₹20,509₹28,80,872
Month 112₹35,000₹14,594₹20,406₹28,66,278
Month 113₹35,000₹14,697₹20,303₹28,51,581
Month 114₹35,000₹14,801₹20,199₹28,36,780
Month 115₹35,000₹14,906₹20,094₹28,21,873
Month 116₹35,000₹15,012₹19,988₹28,06,862
Month 117₹35,000₹15,118₹19,882₹27,91,744
Month 118₹35,000₹15,225₹19,775₹27,76,518
Month 119₹35,000₹15,333₹19,667₹27,61,185
Month 120₹35,000₹15,442₹19,558₹27,45,744
Month 121₹35,000₹15,551₹19,449₹27,30,193
Month 122₹35,000₹15,661₹19,339₹27,14,532
Month 123₹35,000₹15,772₹19,228₹26,98,760
Month 124₹35,000₹15,884₹19,116₹26,82,876
Month 125₹35,000₹15,996₹19,004₹26,66,880
Month 126₹35,000₹16,110₹18,890₹26,50,770
Month 127₹35,000₹16,224₹18,776₹26,34,546
Month 128₹35,000₹16,339₹18,661₹26,18,208
Month 129₹35,000₹16,454₹18,546₹26,01,753
Month 130₹35,000₹16,571₹18,429₹25,85,182
Month 131₹35,000₹16,688₹18,312₹25,68,494
Month 132₹35,000₹16,807₹18,193₹25,51,688
Month 133₹35,000₹16,926₹18,074₹25,34,762
Month 134₹35,000₹17,045₹17,955₹25,17,717
Month 135₹35,000₹17,166₹17,834₹25,00,550
Month 136₹35,000₹17,288₹17,712₹24,83,263
Month 137₹35,000₹17,410₹17,590₹24,65,852
Month 138₹35,000₹17,534₹17,466₹24,48,319
Month 139₹35,000₹17,658₹17,342₹24,30,661
Month 140₹35,000₹17,783₹17,217₹24,12,878
Month 141₹35,000₹17,909₹17,091₹23,94,970
Month 142₹35,000₹18,036₹16,964₹23,76,934
Month 143₹35,000₹18,163₹16,837₹23,58,771
Month 144₹35,000₹18,292₹16,708₹23,40,479
Month 145₹35,000₹18,422₹16,578₹23,22,057
Month 146₹35,000₹18,552₹16,448₹23,03,505
Month 147₹35,000₹18,684₹16,316₹22,84,821
Month 148₹35,000₹18,816₹16,184₹22,66,005
Month 149₹35,000₹18,949₹16,051₹22,47,056
Month 150₹35,000₹19,083₹15,917₹22,27,973
Month 151₹35,000₹19,219₹15,781₹22,08,754
Month 152₹35,000₹19,355₹15,645₹21,89,400
Month 153₹35,000₹19,492₹15,508₹21,69,908
Month 154₹35,000₹19,630₹15,370₹21,50,278
Month 155₹35,000₹19,769₹15,231₹21,30,509
Month 156₹35,000₹19,909₹15,091₹21,10,600
Month 157₹35,000₹20,050₹14,950₹20,90,551
Month 158₹35,000₹20,192₹14,808₹20,70,359
Month 159₹35,000₹20,335₹14,665₹20,50,024
Month 160₹35,000₹20,479₹14,521₹20,29,545
Month 161₹35,000₹20,624₹14,376₹20,08,921
Month 162₹35,000₹20,770₹14,230₹19,88,150
Month 163₹35,000₹20,917₹14,083₹19,67,233
Month 164₹35,000₹21,065₹13,935₹19,46,168
Month 165₹35,000₹21,215₹13,785₹19,24,953
Month 166₹35,000₹21,365₹13,635₹19,03,588
Month 167₹35,000₹21,516₹13,484₹18,82,072
Month 168₹35,000₹21,669₹13,331₹18,60,403
Month 169₹35,000₹21,822₹13,178₹18,38,581
Month 170₹35,000₹21,977₹13,023₹18,16,604
Month 171₹35,000₹22,132₹12,868₹17,94,472
Month 172₹35,000₹22,289₹12,711₹17,72,183
Month 173₹35,000₹22,447₹12,553₹17,49,736
Month 174₹35,000₹22,606₹12,394₹17,27,130
Month 175₹35,000₹22,766₹12,234₹17,04,364
Month 176₹35,000₹22,927₹12,073₹16,81,436
Month 177₹35,000₹23,090₹11,910₹16,58,346
Month 178₹35,000₹23,253₹11,747₹16,35,093
Month 179₹35,000₹23,418₹11,582₹16,11,675
Month 180₹35,000₹23,584₹11,416₹15,88,091
Month 181₹35,000₹23,751₹11,249₹15,64,340
Month 182₹35,000₹23,919₹11,081₹15,40,421
Month 183₹35,000₹24,089₹10,911₹15,16,332
Month 184₹35,000₹24,259₹10,741₹14,92,073
Month 185₹35,000₹24,431₹10,569₹14,67,642
Month 186₹35,000₹24,604₹10,396₹14,43,037
Month 187₹35,000₹24,778₹10,222₹14,18,259
Month 188₹35,000₹24,954₹10,046₹13,93,305
Month 189₹35,000₹25,131₹9,869₹13,68,174
Month 190₹35,000₹25,309₹9,691₹13,42,865
Month 191₹35,000₹25,488₹9,512₹13,17,377
Month 192₹35,000₹25,669₹9,331₹12,91,709
Month 193₹35,000₹25,850₹9,150₹12,65,858
Month 194₹35,000₹26,034₹8,966₹12,39,825
Month 195₹35,000₹26,218₹8,782₹12,13,607
Month 196₹35,000₹26,404₹8,596₹11,87,203
Month 197₹35,000₹26,591₹8,409₹11,60,613
Month 198₹35,000₹26,779₹8,221₹11,33,834
Month 199₹35,000₹26,969₹8,031₹11,06,865
Month 200₹35,000₹27,160₹7,840₹10,79,705
Month 201₹35,000₹27,352₹7,648₹10,52,353
Month 202₹35,000₹27,546₹7,454₹10,24,807
Month 203₹35,000₹27,741₹7,259₹9,97,066
Month 204₹35,000₹27,937₹7,063₹9,69,129
Month 205₹35,000₹28,135₹6,865₹9,40,994
Month 206₹35,000₹28,335₹6,665₹9,12,659
Month 207₹35,000₹28,535₹6,465₹8,84,124
Month 208₹35,000₹28,737₹6,263₹8,55,386
Month 209₹35,000₹28,941₹6,059₹8,26,445
Month 210₹35,000₹29,146₹5,854₹7,97,299
Month 211₹35,000₹29,352₹5,648₹7,67,947
Month 212₹35,000₹29,560₹5,440₹7,38,386
Month 213₹35,000₹29,770₹5,230₹7,08,617
Month 214₹35,000₹29,981₹5,019₹6,78,636
Month 215₹35,000₹30,193₹4,807₹6,48,443
Month 216₹35,000₹30,407₹4,593₹6,18,036
Month 217₹35,000₹30,622₹4,378₹5,87,414
Month 218₹35,000₹30,839₹4,161₹5,56,575
Month 219₹35,000₹31,058₹3,942₹5,25,517
Month 220₹35,000₹31,278₹3,722₹4,94,239
Month 221₹35,000₹31,499₹3,501₹4,62,740
Month 222₹35,000₹31,722₹3,278₹4,31,018
Month 223₹35,000₹31,947₹3,053₹3,99,071
Month 224₹35,000₹32,173₹2,827₹3,66,898
Month 225₹35,000₹32,401₹2,599₹3,34,497
Month 226₹35,000₹32,631₹2,369₹3,01,866
Month 227₹35,000₹32,862₹2,138₹2,69,004
Month 228₹35,000₹33,095₹1,905₹2,35,910
Month 229₹35,000₹33,329₹1,671₹2,02,581
Month 230₹35,000₹33,565₹1,435₹1,69,016
Month 231₹35,000₹33,803₹1,197₹1,35,213
Month 232₹35,000₹34,042₹958₹1,01,171
Month 233₹35,000₹34,283₹717₹66,887
Month 234₹35,000₹34,526₹474₹32,361
Month 235₹32,590₹32,361₹229₹0