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Loan & Real Estate Calculators

Loan & Real Estate Calculators

Calculate monthly home loan EMIs, interest-free SIP strategies, Rent vs Buy comparison, prepayment savings, and home loan eligibility.

EMI Calculator

Calculate monthly loan EMI, total interest payable, and annual amortization schedule for home, car, and personal loans

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Rent vs Buy Home Calculator

Compare buying a home with a home loan vs renting and investing down payment & monthly savings in equity SIPs in India.

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Interest-Free Home Loan Calculator

Make your home loan effectively interest-free by running a parallel SIP.

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Home Loan Balance Transfer Calculator

Calculate exact interest savings and net profit after switching your existing home loan to a lower interest rate bank

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Home Loan Prepayment vs SIP Calculator

Compare whether you should prepay your home loan early or invest your monthly surplus cash in Equity Mutual Fund SIPs.

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Loan Prepayment & EMI Reduction Calculator

Compare reducing monthly EMI vs reducing total loan tenure when prepaying your home loan or personal loan

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Home Loan Eligibility Calculator

Calculate maximum home loan amount you can borrow based on your salary, existing EMIs, and bank FOIR norms in India.

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Car On-Road Price Calculator

Calculate complete car breakdown: ex-showroom price, state RTO registration tax, insurance premium, and fastag/TCS

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Car Loan EMI Calculator

Calculate monthly vehicle loan EMIs and total interest payable for new and used cars.

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Personal Loan EMI Calculator

Calculate monthly personal loan EMIs and interest charges for uncollateralized borrowings.

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Education Loan EMI Calculator

Calculate education loan EMIs with course moratorium period and Section 80E interest tax deduction benefits.

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Module 6: The Borrowed Skates Trap (Debt Traps & 60% Hidden Interest)

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Rent vs Buy: The ₹50 Lakh Down Payment Dilemma

Buy a ₹1 Crore flat with ₹80k EMI or rent for ₹30k and invest in equity SIP? 20-year comparison.

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Home Loan Overdraft (MaxGain) vs Equity SIP: The Smart Strategy

Save 8.5% guaranteed tax-free interest on home loan balance vs investing surplus in mutual funds.

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Loan & Debt Planning FAQs

Which loan should I prepay first: Personal, Car, or Home loan? +
Always prepay high-interest unsecured loans first (Avalanche Method). Personal loans (12-18%) and credit card debt (36-42%) should be wiped out before car loans (8.5-10%) and home loans (8.5%). Home loans carry tax benefits under Section 24(b) in the Old Regime and usually have the lowest borrowing rates.
Are prepayment penalties allowed on floating rate loans in 2026? +
Under RBI regulations, commercial banks, NBFCs, and housing finance companies are strictly prohibited from levying any foreclosure charges or prepayment penalties on individual floating-rate term loans, including home and personal loans.