Smart Loan vs Investment Calculator
A unique calculator that helps you decide the optimal down payment strategy for a home loan. Enter two scenarios — a higher down payment vs a lower down payment with the saved amount invested — and instantly see which plan costs you less over the full loan tenure, accounting for EMI, total interest, and investment corpus growth.
Enter your values here
Property value (₹)
Loan interest rate (% p.a.)
8.5%Loan tenure (years)
20 yrExpected investment return (% p.a.)
12.0%Plan A — Higher down payment
Down payment A (₹)
Loan amount: ₹60.00 L
Plan B — Lower down + invest difference
Down payment B (₹)
Loan amount: ₹80.00 L
Amount invested (A − B): ₹20.00 L
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