EMI calculator
Work out the monthly instalment on a home loan, and how much of what you pay is interest.
Monthly EMI
Rs. 60,000
- Total interest
- Rs. 52.4 Lakh
- Total payment
- Rs. 1.44 Crore
Principal and interest
Principal · Rs. 91.6 Lakh (64%)Interest (36%)
Year by year
| Year | Principal | Interest | Balance left |
|---|---|---|---|
| 1 | Rs. 2.76 Lakh | Rs. 4.44 Lakh | Rs. 88.84 Lakh |
| 2 | Rs. 2.9 Lakh | Rs. 4.3 Lakh | Rs. 85.94 Lakh |
| 3 | Rs. 3.05 Lakh | Rs. 4.15 Lakh | Rs. 82.89 Lakh |
| 4 | Rs. 3.2 Lakh | Rs. 4 Lakh | Rs. 79.69 Lakh |
| 5 | Rs. 3.36 Lakh | Rs. 3.84 Lakh | Rs. 76.32 Lakh |
| 6 | Rs. 3.53 Lakh | Rs. 3.67 Lakh | Rs. 72.79 Lakh |
| 7 | Rs. 3.71 Lakh | Rs. 3.49 Lakh | Rs. 69.09 Lakh |
| 8 | Rs. 3.89 Lakh | Rs. 3.31 Lakh | Rs. 65.19 Lakh |
| 9 | Rs. 4.09 Lakh | Rs. 3.11 Lakh | Rs. 61.1 Lakh |
| 10 | Rs. 4.3 Lakh | Rs. 2.9 Lakh | Rs. 56.8 Lakh |
| 11 | Rs. 4.51 Lakh | Rs. 2.69 Lakh | Rs. 52.29 Lakh |
| 12 | Rs. 4.74 Lakh | Rs. 2.46 Lakh | Rs. 47.55 Lakh |
| 13 | Rs. 4.98 Lakh | Rs. 2.22 Lakh | Rs. 42.58 Lakh |
| 14 | Rs. 5.23 Lakh | Rs. 1.97 Lakh | Rs. 37.35 Lakh |
| 15 | Rs. 5.49 Lakh | Rs. 1.71 Lakh | Rs. 31.86 Lakh |
| 16 | Rs. 5.76 Lakh | Rs. 1.44 Lakh | Rs. 26.1 Lakh |
| 17 | Rs. 6.05 Lakh | Rs. 1.15 Lakh | Rs. 20.05 Lakh |
| 18 | Rs. 6.36 Lakh | Rs. 84,247 | Rs. 13.69 Lakh |
| 19 | Rs. 6.68 Lakh | Rs. 52,320 | Rs. 7.01 Lakh |
| 20 | Rs. 7.01 Lakh | Rs. 18,789 | Rs. 0 |
An estimate for a fixed rate. Nepali home loans usually float with the bank’s base rate, so your instalment can change.