LoanLab
Monthly EMI · Auto-solved
₹
22,118
Total Payable
₹
53,08,329
Amount
₹27,50,000
Rate · p.a.
7.48%
Tenure
SOLVE
EMI
₹22,118
Amortization · 20 yr @ 7.48%
Principal remaining
Interest paid
Rent vs Buy · 20 year horizon
Net worth, side-by-side
Property ₹1 Cr · 8.5% loan ·
12% SIP · 7% appreciation
A · Buy
Own the home
EMI / month
₹69,426
Total paid
₹1.87 Cr
Home @ 20 yr
₹3.87 Cr
Net worth
₹3.87 Cr
B · Rent + SIP
Invest the gap
Rent / month
₹25,000
Total rent
₹99.2 L
SIP corpus
₹5.65 Cr
Net worth
₹5.65 Cr
Rent + SIP wins on math. Buy if appreciation
≥ 10% / yr
· Flats clock 3–6%, plots 7–12%.
+₹1.78 Cr
Prepay ₹10k / month · Reduce tenure
Finish 7 years early.
Interest saved
₹
21.79 L
Monthly
Quarterly
Half-yearly
Annual
Without prepayment
20 yr
₹54.14 L interest · 240 EMIs
With prepayment
12 yr 10 mo
₹32.35 L interest · 154 EMIs
Auto-solve any loan field in one tap
Rent vs Buy with honest appreciation math
Model prepayments · save lakhs