Home Purchase Planner
Buy now, or save first?
See how buying a home now — or after a few years of saving — changes your long-term wealth.
Your Current Status
Home Purchase Details
Assumptions
Compare Scenarios
How many years to save before buying?
0 = Buy now, 5 = Save for 5 years then buy
Loan Prepayment
Use surplus savings to pay off loan faster
Scenario: Buy Now
Purchase home immediately
AT PURCHASE
Home Price₹1,00,00,000
Down Payment₹20,00,000 (20%)
Loan Amount₹80,00,000
Monthly EMI₹69,426
Corpus After Down Payment₹80,00,000
MONTHLY CASHFLOW
Savings+₹1,00,000
EMI-₹69,426
Net Cashflow ₹30,574
AFTER 20 YEARS (LOAN ENDS)
Property Value₹2.7 Cr
Corpus₹11.7 Cr
Net Worth₹14.4 Cr
Today's value: ₹4.8 Cr
AFTER 30 YEARS
Property Value₹4.3 Cr
Corpus₹41.0 Cr
From ₹11.7 Cr at year 20
Total Net Worth₹45.4 Cr
Today's value: ₹8.4 Cr
AFTER 40 YEARS
Property Value₹7.0 Cr
Corpus₹137.8 Cr
From ₹41.0 Cr at year 30
Total Net Worth₹144.8 Cr
Today's value: ₹14.9 Cr
AFTER 50 YEARS
Property Value₹11.5 Cr
Corpus₹456.9 Cr
From ₹137.8 Cr at year 40
Total Net Worth₹468.4 Cr
Today's value: ₹27.0 Cr
Compare Scenarios
Set "Years to Save Before Buying" to a value greater than 0 to compare with the "Buy Now" scenario.
Or enable "Loan Prepayment" to compare prepaying vs investing surplus.