Equity vs Loan Analyser

Mark each tranche as Equity (your own money) or Loan (bank), fill in loan details and selling price, then click Calculate.

Selling Date ?The month and year you plan to sell. Used to calculate how long the loan is outstanding and to compute XIRR cashflow timing.

Selling Price (₹) ?Expected gross sale proceeds before brokerage. Net proceeds = Selling Price minus Total Interest minus Loan Principal.

Loan Start Date ?When the bank disburses the first loan amount. Interest starts accruing from this date.

Loan End Date ?The final scheduled repayment date. A 20-year loan starting Feb 2030 would end Jan 2050.

Annual Interest Rate (%) ?Your home loan rate. Used to estimate total interest paid on the loan portion of each tranche.

Mark each payment as Equity (your own savings) or Loan (bank financing).

#	Date	Amount (₹)	Funded By

Total Equity Invested

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Total Loan Amount

—

Estimated Total Interest
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Net Sale Proceeds

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Equity XIRR (approx)
—

Property XIRR (approx)

—

Simple Property Return

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Simple Equity Return

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Terms Used on This Page

XIRR — Extended Internal Rate of Return: the true annualised return accounting for exact cashflow dates

Equity — money you invest from your own savings, not borrowed

Loan / Debt — money borrowed from a bank; you pay interest on this

Net Sale Proceeds — selling price minus loan repayment minus total interest paid

Simple Return — total profit divided by total investment (not adjusted for time)

Tranche — a single scheduled payment instalment to the developer