Mortgage Loan Interest Calculator
Calculate your mortgage loan interest, monthly EMI, and repayment schedule. Plan your home loan with prepayment options for SBI, HDFC, ICICI banks in India and Australia. Export to Excel and view year-wise breakdown.
Bank Preset
Region
Loan Details
Enter the loan amount
Annual interest rate percentage
Loan term in years (1-50)
Used for amortization schedule dates
Results
Monthly EMI
$4,339.12
Total Interest
$541,387.88
Total Payment
$1,041,387.88
Loan Amount
$500,000
Payment Schedule
| Month | Date | Beginning Balance | Principal | Interest | Prepayment | Total Payment | Ending Balance |
|---|---|---|---|---|---|---|---|
| 1 | January 1, 2025 | $500,000.00 | $797.45 | $3,541.67 | $0.00 | $4,339.12 | $499,202.55 |
| 2 | February 1, 2025 | $499,202.55 | $803.10 | $3,536.02 | $0.00 | $4,339.12 | $498,399.45 |
| 3 | March 1, 2025 | $498,399.45 | $808.79 | $3,530.33 | $0.00 | $4,339.12 | $497,590.67 |
| 4 | April 1, 2025 | $497,590.67 | $814.52 | $3,524.60 | $0.00 | $4,339.12 | $496,776.15 |
| 5 | May 1, 2025 | $496,776.15 | $820.29 | $3,518.83 | $0.00 | $4,339.12 | $495,955.86 |
| 6 | June 1, 2025 | $495,955.86 | $826.10 | $3,513.02 | $0.00 | $4,339.12 | $495,129.77 |
| 7 | July 1, 2025 | $495,129.77 | $831.95 | $3,507.17 | $0.00 | $4,339.12 | $494,297.82 |
| 8 | August 1, 2025 | $494,297.82 | $837.84 | $3,501.28 | $0.00 | $4,339.12 | $493,459.98 |
| 9 | September 1, 2025 | $493,459.98 | $843.77 | $3,495.34 | $0.00 | $4,339.12 | $492,616.21 |
| 10 | October 1, 2025 | $492,616.21 | $849.75 | $3,489.36 | $0.00 | $4,339.12 | $491,766.46 |
| 11 | November 1, 2025 | $491,766.46 | $855.77 | $3,483.35 | $0.00 | $4,339.12 | $490,910.69 |
| 12 | December 1, 2025 | $490,910.69 | $861.83 | $3,477.28 | $0.00 | $4,339.12 | $490,048.85 |
| 13 | January 1, 2026 | $490,048.85 | $867.94 | $3,471.18 | $0.00 | $4,339.12 | $489,180.92 |
| 14 | February 1, 2026 | $489,180.92 | $874.08 | $3,465.03 | $0.00 | $4,339.12 | $488,306.83 |
| 15 | March 1, 2026 | $488,306.83 | $880.28 | $3,458.84 | $0.00 | $4,339.12 | $487,426.56 |
| 16 | April 1, 2026 | $487,426.56 | $886.51 | $3,452.60 | $0.00 | $4,339.12 | $486,540.05 |
| 17 | May 1, 2026 | $486,540.05 | $892.79 | $3,446.33 | $0.00 | $4,339.12 | $485,647.25 |
| 18 | June 1, 2026 | $485,647.25 | $899.11 | $3,440.00 | $0.00 | $4,339.12 | $484,748.14 |
| 19 | July 1, 2026 | $484,748.14 | $905.48 | $3,433.63 | $0.00 | $4,339.12 | $483,842.66 |
| 20 | August 1, 2026 | $483,842.66 | $911.90 | $3,427.22 | $0.00 | $4,339.12 | $482,930.76 |
| 21 | September 1, 2026 | $482,930.76 | $918.36 | $3,420.76 | $0.00 | $4,339.12 | $482,012.40 |
| 22 | October 1, 2026 | $482,012.40 | $924.86 | $3,414.25 | $0.00 | $4,339.12 | $481,087.54 |
| 23 | November 1, 2026 | $481,087.54 | $931.41 | $3,407.70 | $0.00 | $4,339.12 | $480,156.13 |
| 24 | December 1, 2026 | $480,156.13 | $938.01 | $3,401.11 | $0.00 | $4,339.12 | $479,218.12 |
| 25 | January 1, 2027 | $479,218.12 | $944.65 | $3,394.46 | $0.00 | $4,339.12 | $478,273.46 |
| 26 | February 1, 2027 | $478,273.46 | $951.35 | $3,387.77 | $0.00 | $4,339.12 | $477,322.12 |
| 27 | March 1, 2027 | $477,322.12 | $958.08 | $3,381.03 | $0.00 | $4,339.12 | $476,364.03 |
| 28 | April 1, 2027 | $476,364.03 | $964.87 | $3,374.25 | $0.00 | $4,339.12 | $475,399.16 |
| 29 | May 1, 2027 | $475,399.16 | $971.71 | $3,367.41 | $0.00 | $4,339.12 | $474,427.46 |
| 30 | June 1, 2027 | $474,427.46 | $978.59 | $3,360.53 | $0.00 | $4,339.12 | $473,448.87 |
| 31 | July 1, 2027 | $473,448.87 | $985.52 | $3,353.60 | $0.00 | $4,339.12 | $472,463.35 |
| 32 | August 1, 2027 | $472,463.35 | $992.50 | $3,346.62 | $0.00 | $4,339.12 | $471,470.85 |
| 33 | September 1, 2027 | $471,470.85 | $999.53 | $3,339.59 | $0.00 | $4,339.12 | $470,471.32 |
| 34 | October 1, 2027 | $470,471.32 | $1,006.61 | $3,332.51 | $0.00 | $4,339.12 | $469,464.70 |
| 35 | November 1, 2027 | $469,464.70 | $1,013.74 | $3,325.37 | $0.00 | $4,339.12 | $468,450.96 |
| 36 | December 1, 2027 | $468,450.96 | $1,020.92 | $3,318.19 | $0.00 | $4,339.12 | $467,430.04 |
| 37 | January 1, 2028 | $467,430.04 | $1,028.15 | $3,310.96 | $0.00 | $4,339.12 | $466,401.89 |
| 38 | February 1, 2028 | $466,401.89 | $1,035.44 | $3,303.68 | $0.00 | $4,339.12 | $465,366.45 |
| 39 | March 1, 2028 | $465,366.45 | $1,042.77 | $3,296.35 | $0.00 | $4,339.12 | $464,323.68 |
| 40 | April 1, 2028 | $464,323.68 | $1,050.16 | $3,288.96 | $0.00 | $4,339.12 | $463,273.53 |
| 41 | May 1, 2028 | $463,273.53 | $1,057.60 | $3,281.52 | $0.00 | $4,339.12 | $462,215.93 |
| 42 | June 1, 2028 | $462,215.93 | $1,065.09 | $3,274.03 | $0.00 | $4,339.12 | $461,150.84 |
| 43 | July 1, 2028 | $461,150.84 | $1,072.63 | $3,266.49 | $0.00 | $4,339.12 | $460,078.21 |
| 44 | August 1, 2028 | $460,078.21 | $1,080.23 | $3,258.89 | $0.00 | $4,339.12 | $458,997.98 |
| 45 | September 1, 2028 | $458,997.98 | $1,087.88 | $3,251.24 | $0.00 | $4,339.12 | $457,910.10 |
| 46 | October 1, 2028 | $457,910.10 | $1,095.59 | $3,243.53 | $0.00 | $4,339.12 | $456,814.52 |
| 47 | November 1, 2028 | $456,814.52 | $1,103.35 | $3,235.77 | $0.00 | $4,339.12 | $455,711.17 |
| 48 | December 1, 2028 | $455,711.17 | $1,111.16 | $3,227.95 | $0.00 | $4,339.12 | $454,600.01 |
| 49 | January 1, 2029 | $454,600.01 | $1,119.03 | $3,220.08 | $0.00 | $4,339.12 | $453,480.98 |
| 50 | February 1, 2029 | $453,480.98 | $1,126.96 | $3,212.16 | $0.00 | $4,339.12 | $452,354.02 |
| 51 | March 1, 2029 | $452,354.02 | $1,134.94 | $3,204.17 | $0.00 | $4,339.12 | $451,219.07 |
| 52 | April 1, 2029 | $451,219.07 | $1,142.98 | $3,196.14 | $0.00 | $4,339.12 | $450,076.09 |
| 53 | May 1, 2029 | $450,076.09 | $1,151.08 | $3,188.04 | $0.00 | $4,339.12 | $448,925.02 |
| 54 | June 1, 2029 | $448,925.02 | $1,159.23 | $3,179.89 | $0.00 | $4,339.12 | $447,765.79 |
| 55 | July 1, 2029 | $447,765.79 | $1,167.44 | $3,171.67 | $0.00 | $4,339.12 | $446,598.34 |
| 56 | August 1, 2029 | $446,598.34 | $1,175.71 | $3,163.40 | $0.00 | $4,339.12 | $445,422.63 |
| 57 | September 1, 2029 | $445,422.63 | $1,184.04 | $3,155.08 | $0.00 | $4,339.12 | $444,238.59 |
| 58 | October 1, 2029 | $444,238.59 | $1,192.43 | $3,146.69 | $0.00 | $4,339.12 | $443,046.17 |
| 59 | November 1, 2029 | $443,046.17 | $1,200.87 | $3,138.24 | $0.00 | $4,339.12 | $441,845.29 |
| 60 | December 1, 2029 | $441,845.29 | $1,209.38 | $3,129.74 | $0.00 | $4,339.12 | $440,635.92 |
| 61 | January 1, 2030 | $440,635.92 | $1,217.95 | $3,121.17 | $0.00 | $4,339.12 | $439,417.97 |
| 62 | February 1, 2030 | $439,417.97 | $1,226.57 | $3,112.54 | $0.00 | $4,339.12 | $438,191.40 |
| 63 | March 1, 2030 | $438,191.40 | $1,235.26 | $3,103.86 | $0.00 | $4,339.12 | $436,956.14 |
| 64 | April 1, 2030 | $436,956.14 | $1,244.01 | $3,095.11 | $0.00 | $4,339.12 | $435,712.13 |
| 65 | May 1, 2030 | $435,712.13 | $1,252.82 | $3,086.29 | $0.00 | $4,339.12 | $434,459.31 |
| 66 | June 1, 2030 | $434,459.31 | $1,261.70 | $3,077.42 | $0.00 | $4,339.12 | $433,197.61 |
| 67 | July 1, 2030 | $433,197.61 | $1,270.63 | $3,068.48 | $0.00 | $4,339.12 | $431,926.98 |
| 68 | August 1, 2030 | $431,926.98 | $1,279.63 | $3,059.48 | $0.00 | $4,339.12 | $430,647.34 |
| 69 | September 1, 2030 | $430,647.34 | $1,288.70 | $3,050.42 | $0.00 | $4,339.12 | $429,358.65 |
| 70 | October 1, 2030 | $429,358.65 | $1,297.83 | $3,041.29 | $0.00 | $4,339.12 | $428,060.82 |
| 71 | November 1, 2030 | $428,060.82 | $1,307.02 | $3,032.10 | $0.00 | $4,339.12 | $426,753.80 |
| 72 | December 1, 2030 | $426,753.80 | $1,316.28 | $3,022.84 | $0.00 | $4,339.12 | $425,437.52 |
| 73 | January 1, 2031 | $425,437.52 | $1,325.60 | $3,013.52 | $0.00 | $4,339.12 | $424,111.92 |
| 74 | February 1, 2031 | $424,111.92 | $1,334.99 | $3,004.13 | $0.00 | $4,339.12 | $422,776.93 |
| 75 | March 1, 2031 | $422,776.93 | $1,344.45 | $2,994.67 | $0.00 | $4,339.12 | $421,432.49 |
| 76 | April 1, 2031 | $421,432.49 | $1,353.97 | $2,985.15 | $0.00 | $4,339.12 | $420,078.52 |
| 77 | May 1, 2031 | $420,078.52 | $1,363.56 | $2,975.56 | $0.00 | $4,339.12 | $418,714.96 |
| 78 | June 1, 2031 | $418,714.96 | $1,373.22 | $2,965.90 | $0.00 | $4,339.12 | $417,341.74 |
| 79 | July 1, 2031 | $417,341.74 | $1,382.95 | $2,956.17 | $0.00 | $4,339.12 | $415,958.79 |
| 80 | August 1, 2031 | $415,958.79 | $1,392.74 | $2,946.37 | $0.00 | $4,339.12 | $414,566.05 |
| 81 | September 1, 2031 | $414,566.05 | $1,402.61 | $2,936.51 | $0.00 | $4,339.12 | $413,163.45 |
| 82 | October 1, 2031 | $413,163.45 | $1,412.54 | $2,926.57 | $0.00 | $4,339.12 | $411,750.90 |
| 83 | November 1, 2031 | $411,750.90 | $1,422.55 | $2,916.57 | $0.00 | $4,339.12 | $410,328.36 |
| 84 | December 1, 2031 | $410,328.36 | $1,432.62 | $2,906.49 | $0.00 | $4,339.12 | $408,895.73 |
| 85 | January 1, 2032 | $408,895.73 | $1,442.77 | $2,896.34 | $0.00 | $4,339.12 | $407,452.96 |
| 86 | February 1, 2032 | $407,452.96 | $1,452.99 | $2,886.13 | $0.00 | $4,339.12 | $405,999.97 |
| 87 | March 1, 2032 | $405,999.97 | $1,463.28 | $2,875.83 | $0.00 | $4,339.12 | $404,536.69 |
| 88 | April 1, 2032 | $404,536.69 | $1,473.65 | $2,865.47 | $0.00 | $4,339.12 | $403,063.04 |
| 89 | May 1, 2032 | $403,063.04 | $1,484.09 | $2,855.03 | $0.00 | $4,339.12 | $401,578.95 |
| 90 | June 1, 2032 | $401,578.95 | $1,494.60 | $2,844.52 | $0.00 | $4,339.12 | $400,084.36 |
| 91 | July 1, 2032 | $400,084.36 | $1,505.19 | $2,833.93 | $0.00 | $4,339.12 | $398,579.17 |
| 92 | August 1, 2032 | $398,579.17 | $1,515.85 | $2,823.27 | $0.00 | $4,339.12 | $397,063.32 |
| 93 | September 1, 2032 | $397,063.32 | $1,526.58 | $2,812.53 | $0.00 | $4,339.12 | $395,536.74 |
| 94 | October 1, 2032 | $395,536.74 | $1,537.40 | $2,801.72 | $0.00 | $4,339.12 | $393,999.34 |
| 95 | November 1, 2032 | $393,999.34 | $1,548.29 | $2,790.83 | $0.00 | $4,339.12 | $392,451.05 |
| 96 | December 1, 2032 | $392,451.05 | $1,559.25 | $2,779.86 | $0.00 | $4,339.12 | $390,891.80 |
| 97 | January 1, 2033 | $390,891.80 | $1,570.30 | $2,768.82 | $0.00 | $4,339.12 | $389,321.50 |
| 98 | February 1, 2033 | $389,321.50 | $1,581.42 | $2,757.69 | $0.00 | $4,339.12 | $387,740.08 |
| 99 | March 1, 2033 | $387,740.08 | $1,592.62 | $2,746.49 | $0.00 | $4,339.12 | $386,147.45 |
| 100 | April 1, 2033 | $386,147.45 | $1,603.91 | $2,735.21 | $0.00 | $4,339.12 | $384,543.55 |
| 101 | May 1, 2033 | $384,543.55 | $1,615.27 | $2,723.85 | $0.00 | $4,339.12 | $382,928.28 |
| 102 | June 1, 2033 | $382,928.28 | $1,626.71 | $2,712.41 | $0.00 | $4,339.12 | $381,301.58 |
| 103 | July 1, 2033 | $381,301.58 | $1,638.23 | $2,700.89 | $0.00 | $4,339.12 | $379,663.35 |
| 104 | August 1, 2033 | $379,663.35 | $1,649.83 | $2,689.28 | $0.00 | $4,339.12 | $378,013.51 |
| 105 | September 1, 2033 | $378,013.51 | $1,661.52 | $2,677.60 | $0.00 | $4,339.12 | $376,351.99 |
| 106 | October 1, 2033 | $376,351.99 | $1,673.29 | $2,665.83 | $0.00 | $4,339.12 | $374,678.70 |
| 107 | November 1, 2033 | $374,678.70 | $1,685.14 | $2,653.97 | $0.00 | $4,339.12 | $372,993.56 |
| 108 | December 1, 2033 | $372,993.56 | $1,697.08 | $2,642.04 | $0.00 | $4,339.12 | $371,296.48 |
| 109 | January 1, 2034 | $371,296.48 | $1,709.10 | $2,630.02 | $0.00 | $4,339.12 | $369,587.38 |
| 110 | February 1, 2034 | $369,587.38 | $1,721.21 | $2,617.91 | $0.00 | $4,339.12 | $367,866.18 |
| 111 | March 1, 2034 | $367,866.18 | $1,733.40 | $2,605.72 | $0.00 | $4,339.12 | $366,132.78 |
| 112 | April 1, 2034 | $366,132.78 | $1,745.68 | $2,593.44 | $0.00 | $4,339.12 | $364,387.10 |
| 113 | May 1, 2034 | $364,387.10 | $1,758.04 | $2,581.08 | $0.00 | $4,339.12 | $362,629.06 |
| 114 | June 1, 2034 | $362,629.06 | $1,770.49 | $2,568.62 | $0.00 | $4,339.12 | $360,858.57 |
| 115 | July 1, 2034 | $360,858.57 | $1,783.03 | $2,556.08 | $0.00 | $4,339.12 | $359,075.53 |
| 116 | August 1, 2034 | $359,075.53 | $1,795.66 | $2,543.45 | $0.00 | $4,339.12 | $357,279.87 |
| 117 | September 1, 2034 | $357,279.87 | $1,808.38 | $2,530.73 | $0.00 | $4,339.12 | $355,471.49 |
| 118 | October 1, 2034 | $355,471.49 | $1,821.19 | $2,517.92 | $0.00 | $4,339.12 | $353,650.29 |
| 119 | November 1, 2034 | $353,650.29 | $1,834.09 | $2,505.02 | $0.00 | $4,339.12 | $351,816.20 |
| 120 | December 1, 2034 | $351,816.20 | $1,847.08 | $2,492.03 | $0.00 | $4,339.12 | $349,969.11 |
| 121 | January 1, 2035 | $349,969.11 | $1,860.17 | $2,478.95 | $0.00 | $4,339.12 | $348,108.95 |
| 122 | February 1, 2035 | $348,108.95 | $1,873.34 | $2,465.77 | $0.00 | $4,339.12 | $346,235.60 |
| 123 | March 1, 2035 | $346,235.60 | $1,886.61 | $2,452.50 | $0.00 | $4,339.12 | $344,348.99 |
| 124 | April 1, 2035 | $344,348.99 | $1,899.98 | $2,439.14 | $0.00 | $4,339.12 | $342,449.01 |
| 125 | May 1, 2035 | $342,449.01 | $1,913.44 | $2,425.68 | $0.00 | $4,339.12 | $340,535.57 |
| 126 | June 1, 2035 | $340,535.57 | $1,926.99 | $2,412.13 | $0.00 | $4,339.12 | $338,608.58 |
| 127 | July 1, 2035 | $338,608.58 | $1,940.64 | $2,398.48 | $0.00 | $4,339.12 | $336,667.95 |
| 128 | August 1, 2035 | $336,667.95 | $1,954.38 | $2,384.73 | $0.00 | $4,339.12 | $334,713.56 |
| 129 | September 1, 2035 | $334,713.56 | $1,968.23 | $2,370.89 | $0.00 | $4,339.12 | $332,745.33 |
| 130 | October 1, 2035 | $332,745.33 | $1,982.17 | $2,356.95 | $0.00 | $4,339.12 | $330,763.16 |
| 131 | November 1, 2035 | $330,763.16 | $1,996.21 | $2,342.91 | $0.00 | $4,339.12 | $328,766.95 |
| 132 | December 1, 2035 | $328,766.95 | $2,010.35 | $2,328.77 | $0.00 | $4,339.12 | $326,756.60 |
| 133 | January 1, 2036 | $326,756.60 | $2,024.59 | $2,314.53 | $0.00 | $4,339.12 | $324,732.01 |
| 134 | February 1, 2036 | $324,732.01 | $2,038.93 | $2,300.19 | $0.00 | $4,339.12 | $322,693.08 |
| 135 | March 1, 2036 | $322,693.08 | $2,053.37 | $2,285.74 | $0.00 | $4,339.12 | $320,639.71 |
| 136 | April 1, 2036 | $320,639.71 | $2,067.92 | $2,271.20 | $0.00 | $4,339.12 | $318,571.79 |
| 137 | May 1, 2036 | $318,571.79 | $2,082.57 | $2,256.55 | $0.00 | $4,339.12 | $316,489.22 |
| 138 | June 1, 2036 | $316,489.22 | $2,097.32 | $2,241.80 | $0.00 | $4,339.12 | $314,391.91 |
| 139 | July 1, 2036 | $314,391.91 | $2,112.17 | $2,226.94 | $0.00 | $4,339.12 | $312,279.73 |
| 140 | August 1, 2036 | $312,279.73 | $2,127.13 | $2,211.98 | $0.00 | $4,339.12 | $310,152.60 |
| 141 | September 1, 2036 | $310,152.60 | $2,142.20 | $2,196.91 | $0.00 | $4,339.12 | $308,010.40 |
| 142 | October 1, 2036 | $308,010.40 | $2,157.38 | $2,181.74 | $0.00 | $4,339.12 | $305,853.02 |
| 143 | November 1, 2036 | $305,853.02 | $2,172.66 | $2,166.46 | $0.00 | $4,339.12 | $303,680.36 |
| 144 | December 1, 2036 | $303,680.36 | $2,188.05 | $2,151.07 | $0.00 | $4,339.12 | $301,492.32 |
| 145 | January 1, 2037 | $301,492.32 | $2,203.55 | $2,135.57 | $0.00 | $4,339.12 | $299,288.77 |
| 146 | February 1, 2037 | $299,288.77 | $2,219.15 | $2,119.96 | $0.00 | $4,339.12 | $297,069.62 |
| 147 | March 1, 2037 | $297,069.62 | $2,234.87 | $2,104.24 | $0.00 | $4,339.12 | $294,834.74 |
| 148 | April 1, 2037 | $294,834.74 | $2,250.70 | $2,088.41 | $0.00 | $4,339.12 | $292,584.04 |
| 149 | May 1, 2037 | $292,584.04 | $2,266.65 | $2,072.47 | $0.00 | $4,339.12 | $290,317.39 |
| 150 | June 1, 2037 | $290,317.39 | $2,282.70 | $2,056.41 | $0.00 | $4,339.12 | $288,034.69 |
| 151 | July 1, 2037 | $288,034.69 | $2,298.87 | $2,040.25 | $0.00 | $4,339.12 | $285,735.82 |
| 152 | August 1, 2037 | $285,735.82 | $2,315.15 | $2,023.96 | $0.00 | $4,339.12 | $283,420.67 |
| 153 | September 1, 2037 | $283,420.67 | $2,331.55 | $2,007.56 | $0.00 | $4,339.12 | $281,089.11 |
| 154 | October 1, 2037 | $281,089.11 | $2,348.07 | $1,991.05 | $0.00 | $4,339.12 | $278,741.05 |
| 155 | November 1, 2037 | $278,741.05 | $2,364.70 | $1,974.42 | $0.00 | $4,339.12 | $276,376.35 |
| 156 | December 1, 2037 | $276,376.35 | $2,381.45 | $1,957.67 | $0.00 | $4,339.12 | $273,994.90 |
| 157 | January 1, 2038 | $273,994.90 | $2,398.32 | $1,940.80 | $0.00 | $4,339.12 | $271,596.58 |
| 158 | February 1, 2038 | $271,596.58 | $2,415.31 | $1,923.81 | $0.00 | $4,339.12 | $269,181.27 |
| 159 | March 1, 2038 | $269,181.27 | $2,432.42 | $1,906.70 | $0.00 | $4,339.12 | $266,748.85 |
| 160 | April 1, 2038 | $266,748.85 | $2,449.65 | $1,889.47 | $0.00 | $4,339.12 | $264,299.21 |
| 161 | May 1, 2038 | $264,299.21 | $2,467.00 | $1,872.12 | $0.00 | $4,339.12 | $261,832.21 |
| 162 | June 1, 2038 | $261,832.21 | $2,484.47 | $1,854.64 | $0.00 | $4,339.12 | $259,347.74 |
| 163 | July 1, 2038 | $259,347.74 | $2,502.07 | $1,837.05 | $0.00 | $4,339.12 | $256,845.67 |
| 164 | August 1, 2038 | $256,845.67 | $2,519.79 | $1,819.32 | $0.00 | $4,339.12 | $254,325.88 |
| 165 | September 1, 2038 | $254,325.88 | $2,537.64 | $1,801.47 | $0.00 | $4,339.12 | $251,788.24 |
| 166 | October 1, 2038 | $251,788.24 | $2,555.62 | $1,783.50 | $0.00 | $4,339.12 | $249,232.62 |
| 167 | November 1, 2038 | $249,232.62 | $2,573.72 | $1,765.40 | $0.00 | $4,339.12 | $246,658.90 |
| 168 | December 1, 2038 | $246,658.90 | $2,591.95 | $1,747.17 | $0.00 | $4,339.12 | $244,066.95 |
| 169 | January 1, 2039 | $244,066.95 | $2,610.31 | $1,728.81 | $0.00 | $4,339.12 | $241,456.64 |
| 170 | February 1, 2039 | $241,456.64 | $2,628.80 | $1,710.32 | $0.00 | $4,339.12 | $238,827.85 |
| 171 | March 1, 2039 | $238,827.85 | $2,647.42 | $1,691.70 | $0.00 | $4,339.12 | $236,180.43 |
| 172 | April 1, 2039 | $236,180.43 | $2,666.17 | $1,672.94 | $0.00 | $4,339.12 | $233,514.26 |
| 173 | May 1, 2039 | $233,514.26 | $2,685.06 | $1,654.06 | $0.00 | $4,339.12 | $230,829.20 |
| 174 | June 1, 2039 | $230,829.20 | $2,704.08 | $1,635.04 | $0.00 | $4,339.12 | $228,125.12 |
| 175 | July 1, 2039 | $228,125.12 | $2,723.23 | $1,615.89 | $0.00 | $4,339.12 | $225,401.89 |
| 176 | August 1, 2039 | $225,401.89 | $2,742.52 | $1,596.60 | $0.00 | $4,339.12 | $222,659.37 |
| 177 | September 1, 2039 | $222,659.37 | $2,761.95 | $1,577.17 | $0.00 | $4,339.12 | $219,897.43 |
| 178 | October 1, 2039 | $219,897.43 | $2,781.51 | $1,557.61 | $0.00 | $4,339.12 | $217,115.92 |
| 179 | November 1, 2039 | $217,115.92 | $2,801.21 | $1,537.90 | $0.00 | $4,339.12 | $214,314.71 |
| 180 | December 1, 2039 | $214,314.71 | $2,821.05 | $1,518.06 | $0.00 | $4,339.12 | $211,493.65 |
| 181 | January 1, 2040 | $211,493.65 | $2,841.04 | $1,498.08 | $0.00 | $4,339.12 | $208,652.62 |
| 182 | February 1, 2040 | $208,652.62 | $2,861.16 | $1,477.96 | $0.00 | $4,339.12 | $205,791.46 |
| 183 | March 1, 2040 | $205,791.46 | $2,881.43 | $1,457.69 | $0.00 | $4,339.12 | $202,910.03 |
| 184 | April 1, 2040 | $202,910.03 | $2,901.84 | $1,437.28 | $0.00 | $4,339.12 | $200,008.19 |
| 185 | May 1, 2040 | $200,008.19 | $2,922.39 | $1,416.72 | $0.00 | $4,339.12 | $197,085.80 |
| 186 | June 1, 2040 | $197,085.80 | $2,943.09 | $1,396.02 | $0.00 | $4,339.12 | $194,142.71 |
| 187 | July 1, 2040 | $194,142.71 | $2,963.94 | $1,375.18 | $0.00 | $4,339.12 | $191,178.77 |
| 188 | August 1, 2040 | $191,178.77 | $2,984.93 | $1,354.18 | $0.00 | $4,339.12 | $188,193.84 |
| 189 | September 1, 2040 | $188,193.84 | $3,006.08 | $1,333.04 | $0.00 | $4,339.12 | $185,187.76 |
| 190 | October 1, 2040 | $185,187.76 | $3,027.37 | $1,311.75 | $0.00 | $4,339.12 | $182,160.39 |
| 191 | November 1, 2040 | $182,160.39 | $3,048.81 | $1,290.30 | $0.00 | $4,339.12 | $179,111.58 |
| 192 | December 1, 2040 | $179,111.58 | $3,070.41 | $1,268.71 | $0.00 | $4,339.12 | $176,041.17 |
| 193 | January 1, 2041 | $176,041.17 | $3,092.16 | $1,246.96 | $0.00 | $4,339.12 | $172,949.01 |
| 194 | February 1, 2041 | $172,949.01 | $3,114.06 | $1,225.06 | $0.00 | $4,339.12 | $169,834.95 |
| 195 | March 1, 2041 | $169,834.95 | $3,136.12 | $1,203.00 | $0.00 | $4,339.12 | $166,698.83 |
| 196 | April 1, 2041 | $166,698.83 | $3,158.33 | $1,180.78 | $0.00 | $4,339.12 | $163,540.50 |
| 197 | May 1, 2041 | $163,540.50 | $3,180.70 | $1,158.41 | $0.00 | $4,339.12 | $160,359.80 |
| 198 | June 1, 2041 | $160,359.80 | $3,203.23 | $1,135.88 | $0.00 | $4,339.12 | $157,156.56 |
| 199 | July 1, 2041 | $157,156.56 | $3,225.92 | $1,113.19 | $0.00 | $4,339.12 | $153,930.64 |
| 200 | August 1, 2041 | $153,930.64 | $3,248.77 | $1,090.34 | $0.00 | $4,339.12 | $150,681.86 |
| 201 | September 1, 2041 | $150,681.86 | $3,271.79 | $1,067.33 | $0.00 | $4,339.12 | $147,410.08 |
| 202 | October 1, 2041 | $147,410.08 | $3,294.96 | $1,044.15 | $0.00 | $4,339.12 | $144,115.12 |
| 203 | November 1, 2041 | $144,115.12 | $3,318.30 | $1,020.82 | $0.00 | $4,339.12 | $140,796.82 |
| 204 | December 1, 2041 | $140,796.82 | $3,341.81 | $997.31 | $0.00 | $4,339.12 | $137,455.01 |
| 205 | January 1, 2042 | $137,455.01 | $3,365.48 | $973.64 | $0.00 | $4,339.12 | $134,089.53 |
| 206 | February 1, 2042 | $134,089.53 | $3,389.32 | $949.80 | $0.00 | $4,339.12 | $130,700.22 |
| 207 | March 1, 2042 | $130,700.22 | $3,413.32 | $925.79 | $0.00 | $4,339.12 | $127,286.90 |
| 208 | April 1, 2042 | $127,286.90 | $3,437.50 | $901.62 | $0.00 | $4,339.12 | $123,849.39 |
| 209 | May 1, 2042 | $123,849.39 | $3,461.85 | $877.27 | $0.00 | $4,339.12 | $120,387.54 |
| 210 | June 1, 2042 | $120,387.54 | $3,486.37 | $852.75 | $0.00 | $4,339.12 | $116,901.17 |
| 211 | July 1, 2042 | $116,901.17 | $3,511.07 | $828.05 | $0.00 | $4,339.12 | $113,390.11 |
| 212 | August 1, 2042 | $113,390.11 | $3,535.94 | $803.18 | $0.00 | $4,339.12 | $109,854.17 |
| 213 | September 1, 2042 | $109,854.17 | $3,560.98 | $778.13 | $0.00 | $4,339.12 | $106,293.19 |
| 214 | October 1, 2042 | $106,293.19 | $3,586.21 | $752.91 | $0.00 | $4,339.12 | $102,706.98 |
| 215 | November 1, 2042 | $102,706.98 | $3,611.61 | $727.51 | $0.00 | $4,339.12 | $99,095.37 |
| 216 | December 1, 2042 | $99,095.37 | $3,637.19 | $701.93 | $0.00 | $4,339.12 | $95,458.18 |
| 217 | January 1, 2043 | $95,458.18 | $3,662.95 | $676.16 | $0.00 | $4,339.12 | $91,795.23 |
| 218 | February 1, 2043 | $91,795.23 | $3,688.90 | $650.22 | $0.00 | $4,339.12 | $88,106.33 |
| 219 | March 1, 2043 | $88,106.33 | $3,715.03 | $624.09 | $0.00 | $4,339.12 | $84,391.30 |
| 220 | April 1, 2043 | $84,391.30 | $3,741.34 | $597.77 | $0.00 | $4,339.12 | $80,649.96 |
| 221 | May 1, 2043 | $80,649.96 | $3,767.85 | $571.27 | $0.00 | $4,339.12 | $76,882.11 |
| 222 | June 1, 2043 | $76,882.11 | $3,794.53 | $544.58 | $0.00 | $4,339.12 | $73,087.58 |
| 223 | July 1, 2043 | $73,087.58 | $3,821.41 | $517.70 | $0.00 | $4,339.12 | $69,266.16 |
| 224 | August 1, 2043 | $69,266.16 | $3,848.48 | $490.64 | $0.00 | $4,339.12 | $65,417.68 |
| 225 | September 1, 2043 | $65,417.68 | $3,875.74 | $463.38 | $0.00 | $4,339.12 | $61,541.94 |
| 226 | October 1, 2043 | $61,541.94 | $3,903.19 | $435.92 | $0.00 | $4,339.12 | $57,638.75 |
| 227 | November 1, 2043 | $57,638.75 | $3,930.84 | $408.27 | $0.00 | $4,339.12 | $53,707.91 |
| 228 | December 1, 2043 | $53,707.91 | $3,958.69 | $380.43 | $0.00 | $4,339.12 | $49,749.22 |
| 229 | January 1, 2044 | $49,749.22 | $3,986.73 | $352.39 | $0.00 | $4,339.12 | $45,762.49 |
| 230 | February 1, 2044 | $45,762.49 | $4,014.97 | $324.15 | $0.00 | $4,339.12 | $41,747.53 |
| 231 | March 1, 2044 | $41,747.53 | $4,043.40 | $295.71 | $0.00 | $4,339.12 | $37,704.12 |
| 232 | April 1, 2044 | $37,704.12 | $4,072.05 | $267.07 | $0.00 | $4,339.12 | $33,632.08 |
| 233 | May 1, 2044 | $33,632.08 | $4,100.89 | $238.23 | $0.00 | $4,339.12 | $29,531.19 |
| 234 | June 1, 2044 | $29,531.19 | $4,129.94 | $209.18 | $0.00 | $4,339.12 | $25,401.25 |
| 235 | July 1, 2044 | $25,401.25 | $4,159.19 | $179.93 | $0.00 | $4,339.12 | $21,242.06 |
| 236 | August 1, 2044 | $21,242.06 | $4,188.65 | $150.46 | $0.00 | $4,339.12 | $17,053.41 |
| 237 | September 1, 2044 | $17,053.41 | $4,218.32 | $120.79 | $0.00 | $4,339.12 | $12,835.09 |
| 238 | October 1, 2044 | $12,835.09 | $4,248.20 | $90.92 | $0.00 | $4,339.12 | $8,586.89 |
| 239 | November 1, 2044 | $8,586.89 | $4,278.29 | $60.82 | $0.00 | $4,339.12 | $4,308.60 |
| 240 | December 1, 2044 | $4,308.60 | $4,308.60 | $30.52 | $0.00 | $4,339.12 | $0.00 |
About Mortgage Loan Interest Calculator
The Mortgage Loan Interest Calculator is a comprehensive tool designed to help you understand and plan your home loan repayment strategy. Whether you're considering a mortgage from SBI, HDFC, ICICI, or any other lender in India or Australia, this calculator provides detailed insights into your loan structure.
This calculator helps you calculate your monthly EMI (Equated Monthly Installment), total interest payable over the loan tenure, and the complete amortization schedule. It's particularly useful for home loan interest calculations in India, where rates vary between banks like SBI (State Bank of India), HDFC Bank, and ICICI Bank.
One of the key features is the prepayment calculator functionality. You can simulate different prepayment scenarios - whether it's a one-time prepayment, yearly prepayments, or monthly prepayments. This helps you understand how prepayments can reduce your total interest burden and shorten your loan tenure. The calculator shows you exactly how much interest you'll save and how many months you'll save by making prepayments.
The year-wise view feature allows you to see your loan breakdown by year, making it easier to understand your payment pattern over time. This is especially helpful for long-term financial planning. You can see how much principal and interest you pay each year, and track your loan balance reduction.
For those who prefer working with spreadsheets, the calculator includes an Excel export feature. You can download your complete payment schedule as a CSV file that can be opened in Excel, Google Sheets, or any spreadsheet application. This makes it easy to perform further analysis or share with financial advisors.
The calculator supports different regions including India and Australia, with appropriate currency formatting and default interest rates. Bank presets for SBI, HDFC, and ICICI make it quick to get started with current market rates. However, you can always customize the interest rate to match your specific loan offer.
Whether you're planning to take a new home loan, considering refinancing, or exploring prepayment options, this mortgage loan interest calculator provides all the information you need to make informed decisions. It's an essential tool for anyone dealing with housing loans, mortgage loans, or home loans in India, Australia, or any other region.