Home loan

Home loan EMI calculator

Enter the amount, your bank’s rate and the term. Everything here is arithmetic on those three numbers.

Loan amount

Interest rate (% a year)

Term (years)

Monthly instalment

NPR 49,919

Total interest

NPR 69,80,559

Total you repay

NPR 1,19,80,559

Year by yearThe early years of a long loan go almost entirely to interest. This is the part a headline instalment does not show.

For each year of the loan: how much went to the debt, how much went to interest, and what is still owed.
Year	To the debt	To interest	Still owed
1	NPR 77,697	NPR 5,21,331	NPR 49,22,303
2	NPR 86,259	NPR 5,12,769	NPR 48,36,045
3	NPR 95,765	NPR 5,03,263	NPR 47,40,280
4	NPR 1,06,319	NPR 4,92,709	NPR 46,33,961
5	NPR 1,18,035	NPR 4,80,993	NPR 45,15,926
6	NPR 1,31,043	NPR 4,67,985	NPR 43,84,883
7	NPR 1,45,485	NPR 4,53,543	NPR 42,39,398
8	NPR 1,61,517	NPR 4,37,510	NPR 40,77,881
9	NPR 1,79,317	NPR 4,19,711	NPR 38,98,563
10	NPR 1,99,079	NPR 3,99,949	NPR 36,99,485
11	NPR 2,21,018	NPR 3,78,010	NPR 34,78,467
12	NPR 2,45,375	NPR 3,53,653	NPR 32,33,092
13	NPR 2,72,416	NPR 3,26,612	NPR 29,60,676
14	NPR 3,02,437	NPR 2,96,591	NPR 26,58,239
15	NPR 3,35,767	NPR 2,63,261	NPR 23,22,473
16	NPR 3,72,769	NPR 2,26,259	NPR 19,49,703
17	NPR 4,13,850	NPR 1,85,178	NPR 15,35,854
18	NPR 4,59,457	NPR 1,39,571	NPR 10,76,396
19	NPR 5,10,091	NPR 88,937	NPR 5,66,305
20	NPR 5,66,305	NPR 32,723	NPR 0

This is a calculator, not an offer. We do not lend, and we are not quoting you a rate. Banks in Nepal set their own rates and add their own fees, so ask your bank for the figure that applies to you.