Home Loan Repayment Schedule Calculator
Year-by-year amortisation: principal, interest and outstanding balance over the life of your home loan.
Updated 30 September 2026 · 17 lenders trackedAbout this calculator
An amortisation schedule shows how each EMI splits between interest and principal. Early EMIs are mostly interest; the principal share grows every month. The schedule helps plan prepayments, tax claims (interest vs principal) and balance transfers.
Home Loan Repayment Schedule Calculator
How a ₹50 lakh loan is repaid
| After | Principal repaid | Interest paid | Balance outstanding | Share of EMIs that went to principal |
|---|---|---|---|---|
| Year 1 | ₹99,511 | ₹4,21,182 | ₹49,00,489 | 19% |
| Year 2 | ₹2,07,819 | ₹8,33,569 | ₹47,92,181 | 20% |
| Year 5 | ₹5,93,641 | ₹20,09,829 | ₹44,06,359 | 23% |
| Year 10 | ₹15,00,309 | ₹37,06,631 | ₹34,99,691 | 29% |
| Year 15 | ₹28,85,063 | ₹49,25,346 | ₹21,14,937 | 37% |
| Year 20 | ₹50,00,000 | ₹54,13,879 | ₹0 | 48% |
₹50 lakh at 8.5% for 20 years, EMI ₹43,391. In year 1 about four-fifths of the EMIs paid go to interest.
Reading your lender’s statement
- Opening balance, EMI, interest, principal and closing balance for each month.
- Rate changes appear as new EMI or new tenure from the reset date.
- RBI requires quarterly statements for floating-rate loans showing principal and interest recovered, EMI, instalments left and APR.
Frequently asked questions
Why is my outstanding barely falling?
In the first year about four-fifths of what you pay is interest on a 20-year loan at 8.5%. Prepayments early in the loan have the biggest effect.
Where do I get the official schedule?
From your lender’s app or net banking, or on request at the branch; it is also part of the KFS at sanction.
For information and comparison only. Loan terms, rates and rules change — confirm with the lender and read the Key Facts Statement before borrowing.