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Puts the largest possible share of your own funds into the down payment, around 55% of the property price by default (₹77.5 lakh), leaving a ₹62.5 lakh loan and a ₹50,350 EMI. A small slice (₹5 lakh) still goes into a mutual fund lumpsum, and whatever's left (₹17.5 lakh) sits in a plain bank account as a buffer for the EMI, sized to try to survive until the loan is repaid. It suits someone who wants the lowest EMI and the least ongoing risk, and is willing to tie up most of their capital in the property to get it. None of that down-payment money earns market returns. This isn't a tight-input edge case: it happens at the site's own default of 71% own funds to property price, well above the RBI LTV floor, and the strategy's own test suite shows that surviving to payoff needs even more capital committed than that, more than most users are likely to have. The calculator flags that rather than hiding it.

Puts far less down (around 37% here, ₹51.3 lakh), takes a bigger loan (₹88.7 lakh, EMI ₹71,484), and puts a larger mutual fund lumpsum to work (₹12 lakh) alongside an SWP corpus (₹36.7 lakh) that funds the EMI and grows 3% a year through rising extra prepayment (₹8,900/month at the start). By default it closes the loan in roughly 15 years instead of 20, paying ₹60.4 lakh in total interest against a projected ₹66.3 lakh mutual fund value. It suits someone who wants real market exposure and a faster payoff without draining every rupee of savings. Its SWP corpus is intentionally allowed to run dry, around month 61 by default, well before the loan is paid off, after which the EMI has to come from elsewhere.

Keeps the down payment at the site's 20-25% floor (₹35 lakh here) and pushes most of the rest into the mutual fund lumpsum (₹41.1 lakh), backed by only a thin, fixed 12-month EMI buffer (₹10.2 lakh) and prepayment that steps up 5% a year. It doesn't try to keep that buffer solvent at all, it optimises purely for speed: 12.5 years by default, the lowest total interest of the four (₹58.7 lakh), and the largest projected mutual fund value (₹1.7 crore). It suits someone confident in stable income, comfortable funding the EMI from salary once the thin buffer runs out (around month 13 here), in exchange for the most capital compounding for the longest time.

Sits in between: a mid-sized down payment (₹60.3 lakh, EMI ₹64,169), a fixed mutual fund allocation (₹18 lakh), and one extra full EMI paid as a lump sum every year instead of a monthly top-up, cutting the payoff to about 17 years. On the old tax regime, Section 24(b) and 80C deductions save roughly ₹16.8 lakh in tax over the loan's life, bringing the effective interest cost to about ₹44.8 lakh against ₹61.6 lakh paid. It suits someone on the old regime who wants a fixed, no-extra-cash-flow prepayment habit plus a tax benefit. On the new regime, none of that saving exists.

The 12% mutual fund return, 7.5% SWP return, and 6.5% bank return are editable defaults, not predictions. Nothing on this site knows what the market will actually do over your loan's tenure.

The simulation grows a corpus at one steady rate every month. A real market moves in both directions, and a weak stretch early in the withdrawal period can drain a corpus faster than the same average return spread evenly, because you're pulling money out while it's down rather than letting it recover. This model only simulates the smooth average.

A "runs dry" flag before payoff is a real result, not a footnote: of the four homepage strategies, Balanced prefers its corpus to last at least 5 years but isn't guaranteed to survive full payoff, and Tax-Optimized Payoff's corpus size is fixed rather than optimized for survival, so depletion there isn't filtered for or against, and for Safety First, whose whole goal is not running out, the site's own default numbers still produce a buffer that depletes around month 38 of a 216-month payoff. After depletion, the EMI has to come from income the calculator never asked about.

Section 24(b) and 80C only apply under the old regime, capped at ₹2 lakh interest and ₹1.5 lakh principal regardless of what you owe elsewhere. SWP withdrawals are taxed at a flat 12.5% on the gain portion, this year's long-term capital gains rate, with no allowance for the ₹1.25 lakh annual LTCG exemption or short-term rates.

Every prepayment here goes entirely toward principal, at no cost. Real lenders can charge foreclosure or part-prepayment fees, particularly on fixed-rate loans, and these vary by lender. Check your own loan agreement before assuming a prepayment plan here is free in practice.

computed once from loan amount, rate, and tenure, exactly like your bank does. Extra prepayment shortens how long you pay; it never lowers the monthly EMI partway through.

Stamp duty, registration, brokerage, and processing fees aren't part of the down payment, loan, or corpus figures here. Budget for them separately.

The 20% minimum down payment reflects RBI's loan-to-value floor for larger loans; your actual eligibility depends on income, credit score, and existing obligations this tool never asks for.

Yes. No signup, no paywall, no limit on how many times you recalculate.

No. Every number you enter runs in your browser and is never sent to a server. Close the tab and it's gone. Details are in the Privacy Policy.

This calculator computes a pure reducing-balance EMI from principal, rate, and tenure, the same formula every bank uses. The gap usually comes from what a bank's quote adds: processing fees, loan insurance bundled into the EMI, GST on those charges, or a floating rate that's already reset since you were quoted. See how EMI is actually calculated.

An SWP (systematic withdrawal plan) pulls a fixed amount out of a mutual fund every month, like a bank withdrawal but from an investment that's still growing and only taxed on the gain portion withdrawn, not the whole balance. Full comparison in the SWP vs bank account guide.

It depends on your loan rate versus your realistic, risk-adjusted investment return, and your tax regime. Prepaying is a guaranteed, risk-free return equal to your loan rate; investing is not guaranteed. Full walkthrough in the prepay vs invest guide.

Wherever a Section 24(b)/80C deduction is shown, it's labelled old-regime specific. The new regime, the default since AY 2024-25, gets no deduction on a self-occupied home loan. See the tax benefits guide for both regimes side by side.

The EMI, amortization, and tax-cap math match the standard formulas banks and the Income Tax Act use, so those figures are as accurate as the inputs you give them. What can't be accurate by nature is the assumptions: future market returns, prepayment fees, and how your own income plays out. Treat every rupee here as "correct given these assumptions," not a prediction.

No. They're four ways of splitting the same money, each with a different trade-off between EMI size, payoff speed, and risk. See "How this works" above for what each one actually does.

Yes. Switch the funding mode to a plain bank account in the planner below; EMI and amortization work the same way, just without the SWP-specific gain/tax treatment.