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Go to "File" > Make a copy
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IF YOU ARE BUYING A HOME
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Cost of house
(Inclusive of stamp duty and registration fee)
₹1,00,00,000We got this sheet from Zero1 video but modified it to reduce extra rent amount from SIP corpus
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Downpayment (Rs) ₹20,00,000
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Loan Amount (Rs) ₹80,00,000
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Loan Interest Rate (in %) 8.750%
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Loan Tenure (in years) 20
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House Appreciation (%) 8.00%
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EMI ₹70,697
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Total repayment to bank ₹1,69,67,246
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Downpayment (20 L) + Loan repayment ₹1,89,67,246
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ASSOCIATED EXPENSES AMOUNT PER YEAR INCREMENT (%) TOTAL ASSOCIATED EXPENSES
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Annual Property Tax (%)₹50,0005%₹16,53,298
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Annual Society Maintenance (%)₹50,0005%₹16,53,298
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House Maintenance ₹10,0005%₹3,30,660
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Total expenses ₹36,37,255
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NET GAIN FROM BUYING A HOUSE
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Total cost of the house ₹2,26,04,501
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Value of the house after 20 years₹4,66,09,571
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NET GAIN ₹2,40,05,071
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GAIN % 106%
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YEARMONTH EMI PRINCIPAL AMT. INTEREST AMT. LOAN BALANCE AMT. PRINCIPAL INTEREST
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11₹70,697₹12,364₹58,333₹79,87,63617.49%82.51%
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2₹70,697₹12,454₹58,243₹79,75,18317.62%82.38%
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3₹70,697₹12,544₹58,152₹79,62,63817.74%82.26%
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4₹70,697₹12,636₹58,061₹79,50,00217.87%82.13%
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5₹70,697₹12,728₹57,969₹79,37,27418.00%82.00%
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6₹70,697₹12,821₹57,876₹79,24,45318.14%81.86%
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7₹70,697₹12,914₹57,782₹79,11,53918.27%81.73%
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8₹70,697₹13,009₹57,688₹78,98,53018.40%81.60%
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9₹70,697₹13,103₹57,593₹78,85,42718.53%81.47%
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10₹70,697₹13,199₹57,498₹78,72,22818.67%81.33%
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11₹70,697₹13,295₹57,402₹78,58,93318.81%81.19%
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12₹70,697₹13,392₹57,305₹78,45,54118.94%81.06%
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213₹70,697₹13,490₹57,207₹78,32,05119.08%80.92%
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14₹70,697₹13,588₹57,109₹78,18,46319.22%80.78%
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15₹70,697₹13,687₹57,010₹78,04,77619.36%80.64%
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16₹70,697₹13,787₹56,910₹77,90,98919.50%80.50%
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17₹70,697₹13,888₹56,809₹77,77,10119.64%80.36%
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18₹70,697₹13,989₹56,708₹77,63,11219.79%80.21%
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19₹70,697₹14,091₹56,606₹77,49,02119.93%80.07%
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20₹70,697₹14,194₹56,503₹77,34,82820.08%79.92%
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21₹70,697₹14,297₹56,400₹77,20,53120.22%79.78%
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22₹70,697₹14,401₹56,296₹77,06,12920.37%79.63%
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23₹70,697₹14,506₹56,191₹76,91,62320.52%79.48%
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24₹70,697₹14,612₹56,085₹76,77,01120.67%79.33%
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325₹70,697₹14,719₹55,978₹76,62,29220.82%79.18%
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26₹70,697₹14,826₹55,871₹76,47,46620.97%79.03%
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27₹70,697₹14,934₹55,763₹76,32,53221.12%78.88%
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28₹70,697₹15,043₹55,654₹76,17,48921.28%78.72%
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29₹70,697₹15,153₹55,544₹76,02,33721.43%78.57%
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30₹70,697₹15,263₹55,434₹75,87,07321.59%78.41%
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31₹70,697₹15,374₹55,322₹75,71,69921.75%78.25%
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32₹70,697₹15,487₹55,210₹75,56,21221.91%78.09%
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33₹70,697₹15,599₹55,097₹75,40,61322.07%77.93%
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34₹70,697₹15,713₹54,984₹75,24,90022.23%77.77%
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35₹70,697₹15,828₹54,869₹75,09,07222.39%77.61%
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36₹70,697₹15,943₹54,754₹74,93,12922.55%77.45%
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437₹70,697₹16,059₹54,637₹74,77,06922.72%77.28%
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38₹70,697₹16,177₹54,520₹74,60,89322.88%77.12%
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39₹70,697₹16,295₹54,402₹74,44,59823.05%76.95%
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40₹70,697₹16,413₹54,284₹74,28,18523.22%76.78%
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41₹70,697₹16,533₹54,164₹74,11,65223.39%76.61%
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42₹70,697₹16,654₹54,043₹73,94,99823.56%76.44%
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43₹70,697₹16,775₹53,922₹73,78,22323.73%76.27%
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44₹70,697₹16,897₹53,800₹73,61,32623.90%76.10%
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45₹70,697₹17,021₹53,676₹73,44,30524.08%75.92%
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46₹70,697₹17,145₹53,552₹73,27,16124.25%75.75%
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47₹70,697₹17,270₹53,427₹73,09,89124.43%75.57%
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48₹70,697₹17,396₹53,301₹72,92,49624.61%75.39%
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549₹70,697₹17,522₹53,174₹72,74,97324.79%75.21%
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50₹70,697₹17,650₹53,047₹72,57,32324.97%75.03%
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51₹70,697₹17,779₹52,918₹72,39,54425.15%74.85%
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52₹70,697₹17,909₹52,788₹72,21,63625.33%74.67%
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53₹70,697₹18,039₹52,658₹72,03,59725.52%74.48%
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54₹70,697₹18,171₹52,526₹71,85,42625.70%74.30%
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55₹70,697₹18,303₹52,394₹71,67,12325.89%74.11%
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56₹70,697₹18,437₹52,260₹71,48,68626.08%73.92%
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57₹70,697₹18,571₹52,126₹71,30,11526.27%73.73%
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58₹70,697₹18,706₹51,990₹71,11,40926.46%73.54%
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59₹70,697₹18,843₹51,854₹70,92,56626.65%73.35%
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60₹70,697₹18,980₹51,717₹70,73,58626.85%73.15%
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661₹70,697₹19,119₹51,578₹70,54,46727.04%72.96%
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62₹70,697₹19,258₹51,439₹70,35,20927.24%72.76%
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63₹70,697₹19,398₹51,298₹70,15,81127.44%72.56%
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64₹70,697₹19,540₹51,157₹69,96,27127.64%72.36%
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65₹70,697₹19,682₹51,014₹69,76,58827.84%72.16%
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66₹70,697₹19,826₹50,871₹69,56,76228.04%71.96%
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67₹70,697₹19,970₹50,726₹69,36,79228.25%71.75%
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68₹70,697₹20,116₹50,581₹69,16,67628.45%71.55%
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69₹70,697₹20,263₹50,434₹68,96,41328.66%71.34%
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70₹70,697₹20,411₹50,286₹68,76,00328.87%71.13%
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71₹70,697₹20,559₹50,138₹68,55,44329.08%70.92%
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72₹70,697₹20,709₹49,988₹68,34,73429.29%70.71%
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773₹70,697₹20,860₹49,837₹68,13,87429.51%70.49%
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74₹70,697₹21,012₹49,684₹67,92,86129.72%70.28%