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Cost of house IF YOU ARE BUYING A HOUSE

(Inclusive of stamp duty and registration fee) 10000000
Downpayment (Rs) 2000000
Loan Amount (Rs) 8000000
Loan Interest Rate (in %) 9.075%
Loan Tenure (in years) 20
House Appreciation (%) 4.30%
EMI ₹72,364
Total repayment to bank 17367458.41
Downpayment (20 L) + Loan repayment 19367458.41

ASSOCIATED EXPENSES AMOUNT PER YEAR INCREMENT (%)

Annual Property Tax (%) ₹50,000 5%
Annual Society Maintenance (%) ₹50,000 5%
House Maintenance ₹10,000 5%
Total expenses

NET GAIN FROM BUYING A HOUSE

Total cost of the house 23004713.37
Value of the house after 20 years 23210589.38
NET GAIN 205876.0146
GAIN % 1%

YEAR MONTH EMI

1 1 ₹72,364
2 ₹72,364
3 ₹72,364
4 ₹72,364
5 ₹72,364
6 ₹72,364
7 ₹72,364
8 ₹72,364
9 ₹72,364
10 ₹72,364
11 ₹72,364
12 ₹72,364
2 13 ₹72,364
14 ₹72,364
15 ₹72,364
 16 ₹72,364
17 ₹72,364
18 ₹72,364
19 ₹72,364
20 ₹72,364
21 ₹72,364
22 ₹72,364
23 ₹72,364
24 ₹72,364
3 25 ₹72,364
26 ₹72,364
27 ₹72,364
28 ₹72,364
29 ₹72,364
30 ₹72,364
31 ₹72,364
32 ₹72,364
33 ₹72,364
34 ₹72,364
35 ₹72,364
36 ₹72,364
4 37 ₹72,364
38 ₹72,364
39 ₹72,364
40 ₹72,364
41 ₹72,364
42 ₹72,364
43 ₹72,364
44 ₹72,364
45 ₹72,364
46 ₹72,364
47 ₹72,364
48 ₹72,364
5 49 ₹72,364
50 ₹72,364
51 ₹72,364
52 ₹72,364
53 ₹72,364
54 ₹72,364
55 ₹72,364
56 ₹72,364
 57 ₹72,364
58 ₹72,364
59 ₹72,364
60 ₹72,364
6 61 ₹72,364
62 ₹72,364
63 ₹72,364
64 ₹72,364
65 ₹72,364
66 ₹72,364
67 ₹72,364
68 ₹72,364
69 ₹72,364
70 ₹72,364
71 ₹72,364
72 ₹72,364
7 73 ₹72,364
74 ₹72,364
75 ₹72,364
76 ₹72,364
77 ₹72,364
78 ₹72,364
79 ₹72,364
80 ₹72,364
81 ₹72,364
82 ₹72,364
83 ₹72,364
84 ₹72,364
8 85 ₹72,364
86 ₹72,364
87 ₹72,364
88 ₹72,364
89 ₹72,364
90 ₹72,364
91 ₹72,364
92 ₹72,364
93 ₹72,364
94 ₹72,364
95 ₹72,364
96 ₹72,364
9 97 ₹72,364
 98 ₹72,364
99 ₹72,364
100 ₹72,364
101 ₹72,364
102 ₹72,364
103 ₹72,364
104 ₹72,364
105 ₹72,364
106 ₹72,364
107 ₹72,364
108 ₹72,364
10 109 ₹72,364
110 ₹72,364
111 ₹72,364
112 ₹72,364
113 ₹72,364
114 ₹72,364
115 ₹72,364
116 ₹72,364
117 ₹72,364
118 ₹72,364
119 ₹72,364
120 ₹72,364
11 121 ₹72,364
122 ₹72,364
123 ₹72,364
124 ₹72,364
125 ₹72,364
126 ₹72,364
127 ₹72,364
128 ₹72,364
129 ₹72,364
130 ₹72,364
131 ₹72,364
132 ₹72,364
12 133 ₹72,364
134 ₹72,364
135 ₹72,364
136 ₹72,364
137 ₹72,364
138 ₹72,364
 139 ₹72,364
140 ₹72,364
141 ₹72,364
142 ₹72,364
143 ₹72,364
144 ₹72,364
13 145 ₹72,364
146 ₹72,364
147 ₹72,364
148 ₹72,364
149 ₹72,364
150 ₹72,364
151 ₹72,364
152 ₹72,364
153 ₹72,364
154 ₹72,364
155 ₹72,364
156 ₹72,364
14 157 ₹72,364
158 ₹72,364
159 ₹72,364
160 ₹72,364
161 ₹72,364
162 ₹72,364
163 ₹72,364
164 ₹72,364
165 ₹72,364
166 ₹72,364
167 ₹72,364
168 ₹72,364
15 169 ₹72,364
170 ₹72,364
171 ₹72,364
172 ₹72,364
173 ₹72,364
174 ₹72,364
175 ₹72,364
176 ₹72,364
177 ₹72,364
178 ₹72,364
179 ₹72,364
 180 ₹72,364
16 181 ₹72,364
182 ₹72,364
183 ₹72,364
184 ₹72,364
185 ₹72,364
186 ₹72,364
187 ₹72,364
188 ₹72,364
189 ₹72,364
190 ₹72,364
191 ₹72,364
192 ₹72,364
17 193 ₹72,364
194 ₹72,364
195 ₹72,364
196 ₹72,364
197 ₹72,364
198 ₹72,364
199 ₹72,364
200 ₹72,364
201 ₹72,364
202 ₹72,364
203 ₹72,364
204 ₹72,364
18 205 ₹72,364
206 ₹72,364
207 ₹72,364
208 ₹72,364
209 ₹72,364
210 ₹72,364
211 ₹72,364
212 ₹72,364
213 ₹72,364
214 ₹72,364
215 ₹72,364
216 ₹72,364
19 217 ₹72,364
218 ₹72,364
219 ₹72,364
220 ₹72,364
 221 ₹72,364
222 ₹72,364
223 ₹72,364
224 ₹72,364
225 ₹72,364
226 ₹72,364
227 ₹72,364
228 ₹72,364
20 229 ₹72,364
230 ₹72,364
231 ₹72,364
232 ₹72,364
233 ₹72,364
234 ₹72,364
235 ₹72,364
236 ₹72,364
237 ₹72,364
238 ₹72,364
239 ₹72,364
240 ₹72,364

₹17,367,458
comsumption and not an
investment

TOTAL ASSOCIATED EXPENSES

1653297.705
1653297.705
330659.541
3637254.951

PRINCIPAL AMT. INTEREST AMT. LOAN BALANCE AMT.

₹11,864 ₹60,500 7988135.59
₹11,954 ₹60,410 7976181.45533649
₹12,045 ₹60,320 7964136.91752958
₹12,136 ₹60,229 7952001.29290551
₹12,227 ₹60,137 7939773.89262022
₹12,320 ₹60,045 7927454.02262028
₹12,413 ₹59,951 7915040.98360346
₹12,507 ₹59,857 7902534.07097907
₹12,601 ₹59,763 7889932.57482797
₹12,697 ₹59,668 7877235.77986222
₹12,793 ₹59,572 7864442.96538454
₹12,890 ₹59,475 7851553.40524737
₹12,987 ₹59,377 7838566.36781167
₹13,085 ₹59,279 7825481.11590536
₹13,184 ₹59,180 7812296.9067815
₹13,284 ₹59,080 7799012.99207615
₹13,384 ₹58,980 7785628.61776584
₹13,486 ₹58,879 7772143.02412481
₹13,588 ₹58,777 7758555.44568186
₹13,690 ₹58,674 7744865.11117695
₹13,794 ₹58,571 7731071.24351734
₹13,898 ₹58,466 7717173.05973355
₹14,003 ₹58,361 7703169.7709349
₹14,109 ₹58,255 7689060.58226471
₹14,216 ₹58,149 7674844.6928552
₹14,323 ₹58,041 7660521.29578203
₹14,432 ₹57,933 7646089.57801849
₹14,541 ₹57,824 7631548.72038937
₹14,651 ₹57,714 7616897.89752443
₹14,762 ₹57,603 7602136.27781157
₹14,873 ₹57,491 7587263.02334963
₹14,986 ₹57,379 7572277.28990083
₹15,099 ₹57,265 7557178.22684281
₹15,213 ₹57,151 7541964.97712043
₹15,328 ₹57,036 7526636.67719701
₹15,444 ₹56,920 7511192.45700543
₹15,561 ₹56,803 7495631.43989865
₹15,679 ₹56,686 7479952.74259999
₹15,797 ₹56,567 7464155.47515302
₹15,917 ₹56,448 7448238.74087098
₹16,037 ₹56,327 7432201.63628593
₹16,158 ₹56,206 7416043.25109745
₹16,281 ₹56,084 7399762.66812099
₹16,404 ₹55,961 7383358.96323577
₹16,528 ₹55,837 7366831.20533235
₹16,653 ₹55,712 7350178.45625979
₹16,779 ₹55,586 7333399.77077237
₹16,906 ₹55,459 7316494.19647595
₹17,033 ₹55,331 7299460.77377391
₹17,162 ₹55,202 7282298.53581269
₹17,292 ₹55,072 7265006.50842689
₹17,423 ₹54,942 7247583.71008398
₹17,555 ₹54,810 7230029.1518286
₹17,687 ₹54,677 7212341.83722642
₹17,821 ₹54,543 7194520.76230756
₹17,956 ₹54,409 7176564.91550962
₹18,092 ₹54,273 7158473.27762028
₹18,228 ₹54,136 7140244.82171939
₹18,366 ₹53,998 7121878.51312076
₹18,505 ₹53,859 7103373.30931335
₹18,645 ₹53,719 7084728.15990214
₹18,786 ₹53,578 7065942.00654852
₹18,928 ₹53,436 7047013.78291015
₹19,071 ₹53,293 7027942.41458052
₹19,216 ₹53,149 7008726.8190279
₹19,361 ₹53,003 6989365.90553391
₹19,507 ₹52,857 6969858.57513163
₹19,655 ₹52,710 6950203.72054317
₹19,803 ₹52,561 6930400.2261169
₹19,953 ₹52,411 6910446.96776402
₹20,104 ₹52,260 6890342.81289485
₹20,256 ₹52,108 6870086.62035448
₹20,409 ₹51,955 6849677.24035802
₹20,564 ₹51,801 6829113.51442534
₹20,719 ₹51,645 6808394.2753153
₹20,876 ₹51,488 6787518.34695948
₹21,034 ₹51,331 6766484.54439548
₹21,193 ₹51,172 6745291.67369958
₹21,353 ₹51,011 6723938.53191905
₹21,515 ₹50,850 6702423.9070038
₹21,677 ₹50,687 6680746.57773763
₹21,841 ₹50,523 6658905.31366888
₹22,006 ₹50,358 6636898.87504062
₹22,173 ₹50,192 6614726.01272022
₹22,341 ₹50,024 6592385.46812853
₹22,509 ₹49,855 6569875.97316837
₹22,680 ₹49,685 6547196.25015257
₹22,851 ₹49,513 6524345.01173146
₹23,024 ₹49,340 6501320.96081979
₹23,198 ₹49,166 6478122.79052311
₹23,374 ₹48,991 6454749.18406355
₹23,550 ₹48,814 6431198.81470514
₹23,728 ₹48,636 6407470.34567846
₹23,908 ₹48,456 6383562.43010477
₹24,089 ₹48,276 6359473.71091955
₹24,271 ₹48,094 6335202.82079549
₹24,454 ₹47,910 6310748.38206487
₹24,639 ₹47,725 6286109.00664135
₹24,826 ₹47,539 6261283.29594119
₹25,013 ₹47,351 6236269.84080386
₹25,203 ₹47,162 6211067.22141205
₹25,393 ₹46,971 6185674.0072111
₹25,585 ₹46,779 6160088.75682774
₹25,779 ₹46,586 6134310.01798837
₹25,974 ₹46,391 6108336.32743652
₹26,170 ₹46,194 6082166.21084987
₹26,368 ₹45,996 6055798.18275653
₹26,567 ₹45,797 6029230.74645074
₹26,768 ₹45,596 6002462.39390789
₹26,971 ₹45,394 5975491.60569893
₹27,175 ₹45,190 5948316.85090414
₹27,380 ₹44,984 5920936.58702622
₹27,587 ₹44,777 5893349.25990272
₹27,796 ₹44,568 5865553.30361785
₹28,006 ₹44,358 5837547.14041357
₹28,218 ₹44,146 5809329.18060006
₹28,431 ₹43,933 5780897.82246546
₹28,646 ₹43,718 5752251.45218497
₹28,863 ₹43,501 5723388.44372923
₹29,081 ₹43,283 5694307.15877205
₹29,301 ₹43,063 5665005.94659738
₹29,523 ₹42,842 5635483.14400563
₹29,746 ₹42,618 5605737.07521929
₹29,971 ₹42,393 5575766.05178775
₹30,198 ₹42,167 5545568.37249151
₹30,426 ₹41,938 5515142.32324559
₹30,656 ₹41,708 5484486.17700224
₹30,888 ₹41,476 5453598.19365294
₹31,122 ₹41,243 5422476.61992955
₹31,357 ₹41,007 5391119.68930488
₹31,594 ₹40,770 5359525.62189236
₹31,833 ₹40,531 5327692.62434504
₹32,074 ₹40,291 5295618.88975376
₹32,316 ₹40,048 5263302.59754464
₹32,561 ₹39,804 5230741.91337568
₹32,807 ₹39,557 5197934.9890327
₹33,055 ₹39,309 5164879.96232437
₹33,305 ₹39,059 5131574.95697656
₹33,557 ₹38,808 5098018.08252581
₹33,811 ₹38,554 5064207.43421202
₹34,066 ₹38,298 5030141.09287037
₹34,324 ₹38,040 4995817.12482231
₹34,584 ₹37,781 4961233.58176589
₹34,845 ₹37,519 4926388.50066511
₹35,109 ₹37,256 4891279.9036385
₹35,374 ₹36,990 4855905.79784688
₹35,642 ₹36,723 4820264.17538021
₹35,911 ₹36,453 4784353.01314364
₹36,183 ₹36,182 4748170.27274265
₹36,456 ₹35,908 4711713.90036738
₹36,732 ₹35,632 4674981.82667602
₹37,010 ₹35,355 4637971.96667738
₹37,290 ₹35,075 4600682.21961249
₹37,572 ₹34,793 4563110.46883542
₹37,856 ₹34,509 4525254.5816931
₹38,142 ₹34,222 4487112.40940427
₹38,431 ₹33,934 4448681.7869375
₹38,721 ₹33,643 4409960.53288833
₹39,014 ₹33,350 4370946.44935541
₹39,309 ₹33,055 4331637.32181578
₹39,606 ₹32,758 4292030.91899912
₹39,906 ₹32,458 4252124.99276117
₹40,208 ₹32,157 4211917.27795604
₹40,512 ₹31,853 4171405.49230769
₹40,818 ₹31,546 4130587.33628038
₹41,127 ₹31,238 4089460.49294812
₹41,438 ₹30,927 4048022.62786315
₹41,751 ₹30,613 4006271.38892348
₹42,067 ₹30,297 3964204.40623933
₹42,385 ₹29,979 3921819.29199862
₹42,706 ₹29,659 3879113.64033148
₹43,029 ₹29,336 3836085.0271736
₹43,354 ₹29,010 3792731.01012871
₹43,682 ₹28,683 3749049.12832992
₹44,012 ₹28,352 3705036.90230003
₹44,345 ₹28,019 3660691.83381079
₹44,680 ₹27,684 3616011.4057411
₹45,018 ₹27,346 3570993.08193413
₹45,359 ₹27,006 3525634.30705337
₹45,702 ₹26,663 3479932.50643757
₹46,047 ₹26,317 3433885.08595462
₹46,396 ₹25,969 3387489.43185427
₹46,747 ₹25,618 3340742.91061978
₹47,100 ₹25,264 3293642.86881845
₹47,456 ₹24,908 3246186.63295101
₹47,815 ₹24,549 3198371.50929981
₹48,177 ₹24,188 3150194.78377601
₹48,541 ₹23,823 3101653.72176543
₹48,908 ₹23,456 3052745.56797339
₹49,278 ₹23,086 3003467.5462683
₹49,651 ₹22,714 2953816.85952407
₹50,026 ₹22,338 2903790.68946133
₹50,404 ₹21,960 2853386.1964875
₹50,786 ₹21,579 2802600.51953555
₹51,170 ₹21,195 2751430.77590165
₹51,557 ₹20,808 2699874.06108152
₹51,947 ₹20,418 2647927.44860556
₹52,339 ₹20,025 2595587.98987276
₹52,735 ₹19,629 2542852.71398328
₹53,134 ₹19,230 2489718.6275699
₹53,536 ₹18,828 2436182.71462801
₹53,941 ₹18,424 2382241.93634449
₹54,349 ₹18,016 2327893.23092521
₹54,760 ₹17,605 2273133.5134212
₹55,174 ₹17,191 2217959.67555356
₹55,591 ₹16,773 2162368.58553705
₹56,011 ₹16,353 2106357.08790229
₹56,435 ₹15,929 2049922.00331666
₹56,862 ₹15,503 1993060.12840386
₹57,292 ₹15,073 1935768.23556202
₹57,725 ₹14,639 1878043.07278058
₹58,162 ₹14,203 1819881.36345559
₹58,602 ₹13,763 1761279.80620384
₹59,045 ₹13,320 1702235.07467537
₹59,491 ₹12,873 1642743.81736472
₹59,941 ₹12,423 1582802.65742065
₹60,394 ₹11,970 1522408.19245451
₹60,851 ₹11,513 1461556.99434706
₹61,311 ₹11,053 1400245.60905392
₹61,775 ₹10,589 1338470.55640951
₹62,242 ₹10,122 1276228.32992947
₹62,713 ₹9,651 1213515.39661167
₹63,187 ₹9,177 1150328.19673566
₹63,665 ₹8,699 1086663.14366059
₹64,147 ₹8,218 1022516.62362163
₹64,632 ₹7,733 957884.995524887
₹65,120 ₹7,244 892764.590740658
₹65,613 ₹6,752 827151.712895248
₹66,109 ₹6,255 761042.637661132
₹66,609 ₹5,755 694433.612545558
₹67,113 ₹5,252 627320.856677548
₹67,620 ₹4,744 559700.560593285
₹68,132 ₹4,233 491568.886019886
₹68,647 ₹3,717 422921.965657525
₹69,166 ₹3,198 353755.902959924
₹69,689 ₹2,675 284066.771913172
₹70,216 ₹2,148 213850.616812879
₹70,747 ₹1,617 143103.452039641
₹71,282 ₹1,082 71821.2618328043
₹71,821 ₹543 6.25286775175482E-05
PRINCIPAL INTEREST
16.40% 83.60%
16.52% 83.48%
16.64% 83.36%
16.77% 83.23%
16.90% 83.10%
17.02% 82.98%
17.15% 82.85%
17.28% 82.72%
17.41% 82.59%
17.55% 82.45%
17.68% 82.32%
17.81% 82.19%
17.95% 82.05%
18.08% 81.92%
18.22% 81.78%
18.36% 81.64%
18.50% 81.50%
18.64% 81.36%
18.78% 81.22%
18.92% 81.08%
19.06% 80.94%
19.21% 80.79%
19.35% 80.65%
19.50% 80.50%
19.64% 80.36%
19.79% 80.21%
19.94% 80.06%
20.09% 79.91%
20.25% 79.75%
20.40% 79.60%
20.55% 79.45%
20.71% 79.29%
20.87% 79.13%
21.02% 78.98%
21.18% 78.82%
21.34% 78.66%
21.50% 78.50%
21.67% 78.33%
21.83% 78.17%
22.00% 78.00%
22.16% 77.84%
22.33% 77.67%
22.50% 77.50%
22.67% 77.33%
22.84% 77.16%
23.01% 76.99%
23.19% 76.81%
23.36% 76.64%
23.54% 76.46%
23.72% 76.28%
23.90% 76.10%
24.08% 75.92%
24.26% 75.74%
24.44% 75.56%
24.63% 75.37%
24.81% 75.19%
25.00% 75.00%
25.19% 74.81%
25.38% 74.62%
25.57% 74.43%
25.77% 74.23%
25.96% 74.04%
26.16% 73.84%
26.35% 73.65%
26.55% 73.45%
26.75% 73.25%
26.96% 73.04%
27.16% 72.84%
27.37% 72.63%
27.57% 72.43%
27.78% 72.22%
27.99% 72.01%
28.20% 71.80%
28.42% 71.58%
28.63% 71.37%
28.85% 71.15%
29.07% 70.93%
29.29% 70.71%
29.51% 70.49%
29.73% 70.27%
29.96% 70.04%
30.18% 69.82%
30.41% 69.59%
30.64% 69.36%
30.87% 69.13%
31.11% 68.89%
31.34% 68.66%
31.58% 68.42%
31.82% 68.18%
32.06% 67.94%
32.30% 67.70%
32.54% 67.46%
32.79% 67.21%
33.04% 66.96%
33.29% 66.71%
33.54% 66.46%
33.79% 66.21%
34.05% 65.95%
34.31% 65.69%
34.57% 65.43%
34.83% 65.17%
35.09% 64.91%
35.36% 64.64%
35.62% 64.38%
35.89% 64.11%
36.16% 63.84%
36.44% 63.56%
36.71% 63.29%
36.99% 63.01%
37.27% 62.73%
37.55% 62.45%
37.84% 62.16%
38.12% 61.88%
38.41% 61.59%
38.70% 61.30%
38.99% 61.01%
39.29% 60.71%
39.59% 60.41%
39.89% 60.11%
40.19% 59.81%
40.49% 59.51%
40.80% 59.20%
41.11% 58.89%
41.42% 58.58%
41.73% 58.27%
42.05% 57.95%
42.36% 57.64%
42.68% 57.32%
43.01% 56.99%
43.33% 56.67%
43.66% 56.34%
43.99% 56.01%
44.32% 55.68%
44.66% 55.34%
45.00% 55.00%
45.34% 54.66%
45.68% 54.32%
46.02% 53.98%
46.37% 53.63%
46.72% 53.28%
47.08% 52.92%
47.43% 52.57%
47.79% 52.21%
48.15% 51.85%
48.52% 51.48%
48.88% 51.12%
49.25% 50.75%
49.63% 50.37%
50.00% 50.00%
50.38% 49.62%
50.76% 49.24%
51.14% 48.86%
51.53% 48.47%
51.92% 48.08%
52.31% 47.69%
52.71% 47.29%
53.11% 46.89%
53.51% 46.49%
53.91% 46.09%
54.32% 45.68%
54.73% 45.27%
55.15% 44.85%
55.56% 44.44%
55.98% 44.02%
56.41% 43.59%
56.83% 43.17%
57.26% 42.74%
57.70% 42.30%
58.13% 41.87%
58.57% 41.43%
59.01% 40.99%
59.46% 40.54%
59.91% 40.09%
60.36% 39.64%
60.82% 39.18%
61.28% 38.72%
61.74% 38.26%
62.21% 37.79%
62.68% 37.32%
63.16% 36.84%
63.63% 36.37%
64.11% 35.89%
64.60% 35.40%
65.09% 34.91%
65.58% 34.42%
66.08% 33.92%
66.58% 33.42%
67.08% 32.92%
67.59% 32.41%
68.10% 31.90%
68.61% 31.39%
69.13% 30.87%
69.65% 30.35%
70.18% 29.82%
70.71% 29.29%
71.25% 28.75%
71.78% 28.22%
72.33% 27.67%
72.87% 27.13%
73.43% 26.57%
73.98% 26.02%
74.54% 25.46%
75.10% 24.90%
75.67% 24.33%
76.24% 23.76%
76.82% 23.18%
77.40% 22.60%
77.99% 22.01%
78.58% 21.42%
79.17% 20.83%
79.77% 20.23%
80.37% 19.63%
80.98% 19.02%
81.59% 18.41%
82.21% 17.79%
82.83% 17.17%
83.46% 16.54%
84.09% 15.91%
84.73% 15.27%
85.37% 14.63%
86.01% 13.99%
86.66% 13.34%
87.32% 12.68%
87.98% 12.02%
88.64% 11.36%
89.31% 10.69%
89.99% 10.01%
90.67% 9.33%
91.36% 8.64%
92.05% 7.95%
92.74% 7.26%
93.44% 6.56%
94.15% 5.85%
94.86% 5.14%
95.58% 4.42%
96.30% 3.70%
97.03% 2.97%
97.77% 2.23%
98.50% 1.50%
99.25% 0.75%
 IF YOU ARE RENTING A HOUSE
Monthly rent 30000
Annual increase in rent 10%
Deposit paid + Brokerage + Other Expenses 120000
Lumpsum investment 1880000
Return on investment 10%
EMI AMOUNT ₹72,364
Monthly investment (EMI - Rent) ₹42,364
Total time of stay 20

NET GAIN FROM STAYING ON RENT

Total rent paid 20435522.55
Future value of SIP investments 15723881.38
Future value of lumsump investment 12647699.9
Total value of investments 28371581.28
NET GAIN 7936058.737

YEAR MONTH RENT PAID

1 1 30000
2 30000
3 30000
4 30000
5 30000
6 30000
7 30000
8 30000
9 30000
10 30000
11 30000
12 30000
2 13 33000
14 33000
15 33000
16 33000
17 33000
18 33000
19 33000
20 33000
21 33000
22 33000
23 33000
 24 33000
3 25 36300
26 36300
27 36300
28 36300
29 36300
30 36300
31 36300
32 36300
33 36300
34 36300
35 36300
36 36300
4 37 39930
38 39930
39 39930
40 39930
41 39930
42 39930
43 39930
44 39930
45 39930
46 39930
47 39930
48 39930
5 49 43923
50 43923
51 43923
52 43923
53 43923
54 43923
55 43923
56 43923
57 43923
58 43923
59 43923
60 43923
6 61 48315.3
62 48315.3
63 48315.3
64 48315.3
 65 48315.3
66 48315.3
67 48315.3
68 48315.3
69 48315.3
70 48315.3
71 48315.3
72 48315.3
7 73 53146.83
74 53146.83
75 53146.83
76 53146.83
77 53146.83
78 53146.83
79 53146.83
80 53146.83
81 53146.83
82 53146.83
83 53146.83
84 53146.83
8 85 58461.513
86 58461.513
87 58461.513
88 58461.513
89 58461.513
90 58461.513
91 58461.513
92 58461.513
93 58461.513
94 58461.513
95 58461.513
96 58461.513
9 97 64307.6643
98 64307.6643
99 64307.6643
100 64307.6643
101 64307.6643
102 64307.6643
103 64307.6643
104 64307.6643
105 64307.6643
 106 64307.6643
107 64307.6643
108 64307.6643
10 109 70738.43073
110 70738.43073
111 70738.43073
112 70738.43073
113 70738.43073
114 70738.43073
115 70738.43073
116 70738.43073
117 70738.43073
118 70738.43073
119 70738.43073
120 70738.43073
11 121 77812.2738
122 77812.2738
123 77812.2738
124 77812.2738
125 77812.2738
126 77812.2738
127 77812.2738
128 77812.2738
129 77812.2738
130 77812.2738
131 77812.2738
132 77812.2738
12 133 85593.50118
134 85593.50118
135 85593.50118
136 85593.50118
137 85593.50118
138 85593.50118
139 85593.50118
140 85593.50118
141 85593.50118
142 85593.50118
143 85593.50118
144 85593.50118
13 145 94152.8513
146 94152.8513
 147 94152.8513
148 94152.8513
149 94152.8513
150 94152.8513
151 94152.8513
152 94152.8513
153 94152.8513
154 94152.8513
155 94152.8513
156 94152.8513
14 157 103568.1364
158 103568.1364
159 103568.1364
160 103568.1364
161 103568.1364
162 103568.1364
163 103568.1364
164 103568.1364
165 103568.1364
166 103568.1364
167 103568.1364
168 103568.1364
15 169 113924.9501
170 113924.9501
171 113924.9501
172 113924.9501
173 113924.9501
174 113924.9501
175 113924.9501
176 113924.9501
177 113924.9501
178 113924.9501
179 113924.9501
180 113924.9501
16 181 125317.4451
182 125317.4451
183 125317.4451
184 125317.4451
185 125317.4451
186 125317.4451
187 125317.4451
 188 125317.4451
189 125317.4451
190 125317.4451
191 125317.4451
192 125317.4451
17 193 137849.1896
194 137849.1896
195 137849.1896
196 137849.1896
197 137849.1896
198 137849.1896
199 137849.1896
200 137849.1896
201 137849.1896
202 137849.1896
203 137849.1896
204 137849.1896
18 205 151634.1085
206 151634.1085
207 151634.1085
208 151634.1085
209 151634.1085
210 151634.1085
211 151634.1085
212 151634.1085
213 151634.1085
214 151634.1085
215 151634.1085
216 151634.1085
19 217 166797.5194
218 166797.5194
219 166797.5194
220 166797.5194
221 166797.5194
222 166797.5194
223 166797.5194
224 166797.5194
225 166797.5194
226 166797.5194
227 166797.5194
228 166797.5194
20 229 183477.2713
230 183477.2713
231 183477.2713
232 183477.2713
233 183477.2713
234 183477.2713
235 183477.2713
236 183477.2713
237 183477.2713
238 183477.2713
239 183477.2713
240 0
20435522.54522

3068064.131
 ANSWER RENT

INVESTMENT VIA SIP (EMI - Rent) GROWTH IN SIP AMT

₹42,364 42364.41006
₹42,364 $85,434.89
₹42,364 $128,864.30
₹42,364 $172,655.61
₹42,364 $216,811.86
₹42,364 $261,336.07
₹42,364 $306,231.32
₹42,364 $351,500.69
₹42,364 $397,147.31
₹42,364 $443,174.32
₹42,364 $489,584.88
₹42,364 $536,382.21
₹39,364 $580,544.50
₹39,364 $625,074.82
₹39,364 $669,976.23
₹39,364 $715,251.81
₹39,364 $760,904.69
₹39,364 $806,938.01
₹39,364 $853,354.94
₹39,364 $900,158.67
₹39,364 $947,352.44
₹39,364 $994,939.49
₹39,364 $1,042,923.10
₹39,364 $1,091,306.57
₹36,064 $1,136,765.74
₹36,064 $1,182,603.74
₹36,064 $1,228,823.72
₹36,064 $1,275,428.86
₹36,064 $1,322,422.38
₹36,064 $1,369,807.51
₹36,064 $1,417,587.52
₹36,064 $1,465,765.70
₹36,064 $1,514,345.36
₹36,064 $1,563,329.85
₹36,064 $1,612,722.55
₹36,064 $1,662,526.85
₹32,434 $1,709,085.94
₹32,434 $1,756,033.02
₹32,434 $1,803,371.32
₹32,434 $1,851,104.11
₹32,434 $1,899,234.68
₹32,434 $1,947,766.33
₹32,434 $1,996,702.41
₹32,434 $2,046,046.30
₹32,434 $2,095,801.38
₹32,434 $2,145,971.09
₹32,434 $2,196,558.88
₹32,434 $2,247,568.23
₹28,441 $2,294,976.39
₹28,441 $2,342,779.61
₹28,441 $2,390,981.20
₹28,441 $2,439,584.46
₹28,441 $2,488,592.75
₹28,441 $2,538,009.45
₹28,441 $2,587,837.95
₹28,441 $2,638,081.69
₹28,441 $2,688,744.12
₹28,441 $2,739,828.75
₹28,441 $2,791,339.07
₹28,441 $2,843,278.66
₹24,049 $2,891,222.16
₹24,049 $2,939,565.20
₹24,049 $2,988,311.10
₹24,049 $3,037,463.21
₹24,049 $3,087,024.92
₹24,049 $3,136,999.65
₹24,049 $3,187,390.83
₹24,049 $3,238,201.94
₹24,049 $3,289,436.48
₹24,049 $3,341,097.97
₹24,049 $3,393,189.97
₹24,049 $3,445,716.07
₹19,218 $3,493,808.10
₹19,218 $3,542,300.89
₹19,218 $3,591,197.79
₹19,218 $3,640,502.17
₹19,218 $3,690,217.41
₹19,218 $3,740,346.95
₹19,218 $3,790,894.24
₹19,218 $3,841,862.75
₹19,218 $3,893,256.00
₹19,218 $3,945,077.52
₹19,218 $3,997,330.90
₹19,218 $4,050,019.71
₹13,903 $4,097,788.63
₹13,903 $4,145,955.63
₹13,903 $4,194,524.01
₹13,903 $4,243,497.13
₹13,903 $4,292,878.36
₹13,903 $4,342,671.10
₹13,903 $4,392,878.78
₹13,903 $4,443,504.86
₹13,903 $4,494,552.82
₹13,903 $4,546,026.18
₹13,903 $4,597,928.49
₹13,903 $4,650,263.32
₹8,057 $4,697,139.39
₹8,057 $4,744,406.11
₹8,057 $4,792,066.71
₹8,057 $4,840,124.49
₹8,057 $4,888,582.74
₹8,057 $4,937,444.82
₹8,057 $4,986,714.08
₹8,057 $5,036,393.91
₹8,057 $5,086,487.75
₹8,057 $5,136,999.03
₹8,057 $5,187,931.24
₹8,057 $5,239,287.89
₹1,626 $5,284,588.15
₹1,626 $5,330,265.91
₹1,626 $5,376,324.32
₹1,626 $5,422,766.55
₹1,626 $5,469,595.80
₹1,626 $5,516,815.30
₹1,626 $5,564,428.29
₹1,626 $5,612,438.05
₹1,626 $5,660,847.90
₹1,626 $5,709,661.16
₹1,626 $5,758,881.20
₹1,626 $5,808,511.41 ₹ 15,065,783
0 $5,856,915.67
0 $5,905,723.30
0 $5,954,937.66
0 $6,004,562.14
0 $6,054,600.16
0 $6,105,055.16
0 $6,155,930.62
0 $6,207,230.04
0 $6,258,956.96
0 $6,311,114.93
0 $6,363,707.56
0 $6,416,738.45
0 $6,470,211.27
0 $6,524,129.70
0 $6,578,497.45
0 $6,633,318.26
0 $6,688,595.91
0 $6,744,334.21
0 $6,800,537.00
0 $6,857,208.14
0 $6,914,351.54
0 $6,971,971.14
0 $7,030,070.90
0 $7,088,654.82
0 $7,147,726.94
0 $7,207,291.33
0 $7,267,352.10
0 $7,327,913.36
0 $7,388,979.31
0 $7,450,554.13
0 $7,512,642.09
0 $7,575,247.44
0 $7,638,374.50
0 $7,702,027.62
0 $7,766,211.18
0 $7,830,929.61
0 $7,896,187.36
0 $7,961,988.92
0 $8,028,338.83
0 $8,095,241.65
0 $8,162,702.00
0 $8,230,724.51
0 $8,299,313.88
0 $8,368,474.83
0 $8,438,212.12
0 $8,508,530.56
0 $8,579,434.98
0 $8,650,930.27
0 $8,723,021.36
0 $8,795,713.20
0 $8,869,010.81
0 $8,942,919.23
0 $9,017,443.56
0 $9,092,588.92
0 $9,168,360.50
0 $9,244,763.50
0 $9,321,803.20
0 $9,399,484.89
0 $9,477,813.93
0 $9,556,795.71
0 $9,636,435.68
0 $9,716,739.31
0 $9,797,712.14
0 $9,879,359.74
0 $9,961,687.74
0 $10,044,701.80
0 $10,128,407.65
0 $10,212,811.05
0 $10,297,917.80
0 $10,383,733.79
0 $10,470,264.90
0 $10,557,517.11
0 $10,645,496.42
0 $10,734,208.89
0 $10,823,660.63
0 $10,913,857.80
0 $11,004,806.62
0 $11,096,513.34
0 $11,188,984.28
0 $11,282,225.82
0 $11,376,244.37
0 $11,471,046.40
0 $11,566,638.46
0 $11,663,027.11
0 $11,760,219.00
0 $11,858,220.83
0 $11,957,039.33
0 $12,056,681.33
0 $12,157,153.67
0 $12,258,463.29
0 $12,360,617.15
0 $12,463,622.29
0 $12,567,485.81
0 $12,672,214.86
0 $12,777,816.65
0 $12,884,298.45
0 $12,991,667.61
0 $13,099,931.50
0 $13,209,097.60
0 $13,319,173.41
0 $13,430,166.53
0 $13,542,084.58
0 $13,654,935.29
0 $13,768,726.41
0 $13,883,465.80
0 $13,999,161.35
0 $14,115,821.03
0 $14,233,452.87
 0 $14,352,064.97
0 $14,471,665.52
0 $14,592,262.73
0 $14,713,864.92
0 $14,836,480.46
0 $14,960,117.80
0 $15,084,785.44
0 $15,210,491.99
0 $15,337,246.09
0 $15,465,056.47
0 $15,593,931.94
0 $15,723,881.38
₹2,946,256
 BUY

Component Deduction Limit Tax Slab (%)

Section 80C (Principal
Repayment) 150000 30
Section 24(b) (Interest
Payment) 200000 30
Total Annual Tax Savings ₹3,50,000
*For a self-occupied house.

Deduction Allowed On Section Maximum Deduction (INR)

Principal loan repayment 80C ₹1.5 Lakh

Interest paid on home loan 24(b) ₹2 Lakh

(yearly)

Extra interest deduction for 80EE ₹50,000

first-time buyers

Additional interest deduction 80EEA ₹1.5 Lakh

for affordable housing

Stamp duty & registration fees 80C ₹1.5 Lakh

Annual Tax Savings (at 30% Tax Slab)
45000
₹60,000
₹1,05,000

Conditions
The house should not be sold within 5
years of possession.

- The loan should be for buying or

constructing a house. Construction must
be completed within 5 years from the
financial year in which the loan was
taken.
- Pre-construction interest can also be
claimed but within the ₹2 Lakh limit.
- No ₹2 Lakh limit if the property is
rented out.
- Loan amount should be ₹35 Lakh or
less, and property value should not
exceed ₹50 Lakh.
- Home loan must be taken between 1st
April 2016 to 31st March 2017.
- This deduction is over and above the
₹2 Lakh limit under Section 24(b).
- Property’s stamp value should be ₹45
Lakh or less.
- Cannot claim deduction under Section
80EE.
- Home loan should be taken between
1st April 2019 to 31st March 2022.
Can only be claimed in the year when
these expenses are paid.
 RENT
Basic Salary 500000
HRA Received from Employer 200000
Rent Paid Per Annum 180000
City Type ("Metro" or "Non-Metro") Metro
Tax Bracket 0.2

Tax-Free HRA 130000

Taxable HRA 70000
Tax Savings 260