The Asset & The Loan
Asset price (home / property / any big purchase)
₹10L₹10 Cr
Down payment
10%100% (full cash)
Loan interest rate (p.a.)
Home loans from ~7.25% (Jul 2026)
6.5%15%
Loan tenure
Full range — 1 to 40 years
1 yr40 yrs
Asset appreciation (%/yr)
0%15%
Your Monthly Firepower
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Total monthly budget (EMI + investing capacity)
This is the key input — everything you can commit per month
₹10K₹10L
Expected SIP return (%/yr)
Nifty 50 long-run ~11–13%; hybrid ~9–10%
4%18%
Rent for an equivalent home (for the rent strategy)
₹5K₹3L
Best strategy at year 20
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EMI
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Surplus/mo
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Asset @ end
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Loan interest
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All Four Strategies, Ranked
Loan Summary
Year-wise
Month-wise
Extra monthly prepayment (over EMI)
See how prepaying shortens the loan in the table below
₹0₹2L/mo
Full Amortisation Table
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| Period | Opening balance | Paid | Principal | Interest | Closing balance | Loan paid |
|---|
Principal
Interest
SIP Settings
Monthly SIP amount
₹500₹5L
SIP tenure
Match your loan tenure to compare like-for-like
1 yr40 yrs
Expected return (%/yr)
4%18%
Annual step-up
Increase SIP every year as income grows — the wealth multiplier
0%20%/yr
One-time lumpsum at start
₹0₹1 Cr
Inflation (for real value)
2%10%
SIP Result
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SIP Cashflow Table
Year-wise, like your loan amortisation
| Year | Opening corpus | Invested | Returns earned | Closing corpus | Real value |
|---|
SWP Settings
Starting corpus
₹10L₹20 Cr
Monthly withdrawal
₹5K₹10L
Return during withdrawal phase (%/yr)
Usually conservative — hybrid/debt-tilted ~8–10%
4%15%
Increase withdrawal yearly (inflation protection)
0%10%/yr
Safe Withdrawal Guide
How Long Will It Last?
SWP Cashflow Table
| Year | Opening corpus | Withdrawn | Returns earned | Closing corpus |
|---|
Your Surplus SIP vs The Bank's Interest
The full picture at tenure end
Got a Bonus? Prepay vs Invest
One-time windfall amount
Bonus, inheritance, maturing FD — prepay the loan or invest it?
₹1L₹1 Cr
Rules Of The Game