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Home Loan EMI Live
₹10,00,000
8.50%
20 yr
Monthly EMI₹8,678
Total interest
₹10,82,777
Total payable
₹20,82,777
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  • Prepay the home loan, or invest the surplus?A ₹5 lakh prepayment on a ₹50 lakh home loan saves ₹10.7 lakh of interest. The same money in equity at 12% grows to ₹27.4 lakh. Here is how to actually compare the two — with the tax, risk and liquidity fine print.
  • Old vs new tax regime: how to actually chooseWith no deductions beyond the standard one, the new regime wins at every income level — by ₹1.75 lakh a year at a ₹16 lakh salary. The old regime only earns its keep past a deduction threshold. Here is where that threshold sits and how to check your own.
  • How big should your emergency fund be — and where should it sit?Six months of expenses is the standard answer; your actual number depends on how replaceable your income is. Where you park it matters almost as much: the same ₹3.6 lakh earns ₹10,900 in a savings account and ₹25,100 in an FD over a year.

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