Loan Calculator: 75% principal-only + 25% interest-only (with House Appreciation + Market Alternative)

Phase-1: repay equal principal monthly (interest is calculated on reducing balance and accumulated).
Phase-2: repay the total accumulated interest in equal monthly installments.
Extra: estimate final house value (appreciation) and market investment alternative (CAGR).

Inputs

Total Loan Amount (₹)

Total Duration (years)

Interest Rate (% per annum)

Split (Principal period %)

Rounding (₹)

House appreciation

Initial House Value (₹)

Keep Initial House Value = Loan Amount

House Appreciation Rate (%) Rate unit

If you choose % per month, values will explode quickly (12%/month is extremely high). Calculator will still compute it.

Market alternative

Market CAGR (%) per year

Converted internally to monthly compounding: (1+CAGR)^(1/12)-1

Contribution timing

Model note: Phase-1 monthly deduction is principal only (as per your scheme). Interest is only calculated & accumulated, then paid in Phase-2.

Results

Phase-1 (Principal period)

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Phase-2 (Interest period)

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Monthly Principal in Phase-1

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Constant each month in Phase-1.

Monthly EMI in Phase-2 (Interest only)

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Constant each month in Phase-2.

Total Interest Accumulated in Phase-1

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Paid during Phase-2.

Total Paid Over Entire Tenure

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Final House Value (after total duration)

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Market Alternative: Final Portfolio Value

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Difference: House Value − Market Portfolio

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Positive means house final value is higher than market portfolio (based on your inputs).

Total Contributions into Market Alternative

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This equals total outflow you would have paid under this loan model.

Show first 12 months + last 6 months (snapshots)