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Smart Loan vs Investment Calculator

A unique calculator that helps you decide the optimal down payment strategy for a home loan. Enter two scenarios โ€” a higher down payment vs a lower down payment with the saved amount invested โ€” 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 (โ‚น)

Loan interest rate (% p.a.)

8.5%

Loan tenure (years)

20 yr

Expected investment return (% p.a.)

12.0%

Plan A โ€” Higher down payment

Down payment A (โ‚น)

Loan amount: โ‚น60.00 L

Plan B โ€” Lower down + invest difference

Down payment B (โ‚น)

Loan amount: โ‚น80.00 L

Amount invested (A โˆ’ B): โ‚น20.00 L

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