◆ Property Financing Model

Plan your home loan against your own capital

See how your funds — split across a lumpsum mutual fund, an EMI-funding corpus, and a down payment, plus any monthly prepayment from salary — stack up against a home loan. Every figure recalculates live.

Monthly EMI
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Loan clears in
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Total interest
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Wealth after horizon
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Capital stack
Down payment Mutual fund lumpsum SWP corpus Home loan

Your inputs

1 Property & funding
Set automatically: own funds − down payment − MF lumpsum.
2 Growth & EMI funding
3 Loan & prepayment
Paid from salary straight onto principal, on top of the EMI — separate from your corpus.
Prepay rises by this % each year on the loan anniversary — mirrors an annual salary hike.
4 Tax assumptions
5 Time horizon
Loan & growth outcome
Loan amount
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at chosen down payment
Monthly EMI
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Actual loan payoff
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MF corpus after horizon
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Total interest paid
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Interest saved by prepaying
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vs. EMI-only over full tenure
Corpus after horizon
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Total wealth after horizon
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Tax impact
Tax paid on SWP withdrawals
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Tax saved via loan (24b + 80C)
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Net effective interest cost
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interest paid minus tax saved

Balances over time

MF grows untouched · corpus funds the EMI monthly · loan balance amortises