Loan Leverage Optimiser

Find the equity percentage sweet spot. Fill inputs then click Calculate to see the full table.

Property Value (₹) ?Total property cost. The model splits this into Equity and Loan at each percentage step from 15% to 100%.

Monthly Rent (₹) ?Starting monthly rent at possession. Used to compute how quickly rent covers interest and EMI at each equity level.

Rent Growth (% p.a.) ?Annual rental escalation rate. Used to project when rent will exceed monthly interest or EMI at each equity level.

Interest Rate (% p.a.) ?Annual loan interest rate. Used to compute monthly interest cost and EMI at each equity percentage.

Loan Tenure (Months) ?Total repayment period in months. 240 = 20 years, 300 = 25 years. Longer tenure = lower EMI but more total interest paid.

Equity %	Equity Amount (₹)	Loan Amount (₹)	Monthly Interest (₹)	Rent / Interest Ratio	Monthly EMI (₹)	Rent / EMI Ratio	Months until Rent > Interest	Months until Rent > EMI	Net Monthly Outflow (₹)

● Rent already covers from Day 1 ● Rent covers within 2 years ● Takes more than 2 years

Terms Used on This Page

Equity % — the share of property cost you pay from your own savings

Loan Amount — remaining cost financed by the bank (100% minus Equity %)

Monthly Interest — interest-only portion of the loan in the first month

EMI — Equated Monthly Instalment: fixed monthly repayment including principal + interest

Rent / Interest Ratio — how many times rent covers the monthly interest (above 1 = covers)

Net Monthly Outflow — EMI minus rent (negative means rent exceeds EMI — positive cashflow)

Leverage — using borrowed money to increase your purchasing power and potential return