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Input: Buying House/Flat Input

Calculation Year
2006
House Value in Calculation Year
INR
2,000,000.00
Downpayment Amount
INR 2,000,000.00
EMI
INR 0.00
Maintenance Per Month
INR 0.00
Loan Duration (Years)
15
House appreciation per year
9.00%

Input: Rent
Rent for the same House/Flat
Rent appreciation per year

INR 9,000.00
5.00%

Input: Return of Investment you can generate


Return on your investments
10.00%

If you haven't bought house you will loose money through rent. This Calculation shows how much loss accumulated in years.
loss from year 1 to year 10
5
Y1
Y2
Y3
Y4
Y5
Y6
Y7
Y8
Y9
Y10
Y11
Y12
Y13
Y14
Y15
Y16
Y17
Y18
Y19
Y20
Y21
Y22
Y23
Y24
Y25
Y26
Total

1
2
(108,000.00) (113,400.00)
(108,000.00)

3
4
5
(119,070.00) (125,023.50) (131,274.68)
(113,400.00) (119,070.00) (125,023.50)
(108,000.00) (113,400.00) (119,070.00)
(108,000.00) (113,400.00)
(108,000.00)

6
(137,838.41)
(131,274.68)
(125,023.50)
(119,070.00)
(113,400.00)
(108,000.00)

(108,000.00) (221,400.00)

(340,470.00) (465,493.50) (596,768.18)

(734,606.58)

how much loss accumulated in years. E.g. Total for 10 Year represents total
year 10
7
(144,730.33)
(137,838.41)
(131,274.68)
(125,023.50)
(119,070.00)
(113,400.00)
(108,000.00)

8
(151,966.85)
(144,730.33)
(137,838.41)
(131,274.68)
(125,023.50)
(119,070.00)
(113,400.00)
(108,000.00)

9
(159,565.19)
(151,966.85)
(144,730.33)
(137,838.41)
(131,274.68)
(125,023.50)
(119,070.00)
(113,400.00)
(108,000.00)

10
(167,543.45)
(159,565.19)
(151,966.85)
(144,730.33)
(137,838.41)
(131,274.68)
(125,023.50)
(119,070.00)
(113,400.00)
(108,000.00)

11
(175,920.62)
(167,543.45)
(159,565.19)
(151,966.85)
(144,730.33)
(137,838.41)
(131,274.68)
(125,023.50)
(119,070.00)
(113,400.00)
(108,000.00)

12
(184,716.65)
(175,920.62)
(167,543.45)
(159,565.19)
(151,966.85)
(144,730.33)
(137,838.41)
(131,274.68)
(125,023.50)
(119,070.00)
(113,400.00)
(108,000.00)

13
(193,952.48)
(184,716.65)
(175,920.62)
(167,543.45)
(159,565.19)
(151,966.85)
(144,730.33)
(137,838.41)
(131,274.68)
(125,023.50)
(119,070.00)
(113,400.00)
(108,000.00)

(879,336.91) (1,031,303.76) (1,190,868.95) (1,358,412.39) (1,534,333.01) (1,719,049.66) (1,913,002.15)

14
(203,650.11)
(193,952.48)
(184,716.65)
(175,920.62)
(167,543.45)
(159,565.19)
(151,966.85)
(144,730.33)
(137,838.41)
(131,274.68)
(125,023.50)
(119,070.00)
(113,400.00)
(108,000.00)

15
(213,832.61)
(203,650.11)
(193,952.48)
(184,716.65)
(175,920.62)
(167,543.45)
(159,565.19)
(151,966.85)
(144,730.33)
(137,838.41)
(131,274.68)
(125,023.50)
(119,070.00)
(113,400.00)
(108,000.00)

16
(224,524.24)
(213,832.61)
(203,650.11)
(193,952.48)
(184,716.65)
(175,920.62)
(167,543.45)
(159,565.19)
(151,966.85)
(144,730.33)
(137,838.41)
(131,274.68)
(125,023.50)
(119,070.00)
(113,400.00)
(108,000.00)

17
(235,750.46)
(224,524.24)
(213,832.61)
(203,650.11)
(193,952.48)
(184,716.65)
(175,920.62)
(167,543.45)
(159,565.19)
(151,966.85)
(144,730.33)
(137,838.41)
(131,274.68)
(125,023.50)
(119,070.00)
(113,400.00)
(108,000.00)

18
(247,537.98)
(235,750.46)
(224,524.24)
(213,832.61)
(203,650.11)
(193,952.48)
(184,716.65)
(175,920.62)
(167,543.45)
(159,565.19)
(151,966.85)
(144,730.33)
(137,838.41)
(131,274.68)
(125,023.50)
(119,070.00)
(113,400.00)
(108,000.00)

19
(259,914.88)
(247,537.98)
(235,750.46)
(224,524.24)
(213,832.61)
(203,650.11)
(193,952.48)
(184,716.65)
(175,920.62)
(167,543.45)
(159,565.19)
(151,966.85)
(144,730.33)
(137,838.41)
(131,274.68)
(125,023.50)
(119,070.00)
(113,400.00)
(108,000.00)

20
(272,910.62)
(259,914.88)
(247,537.98)
(235,750.46)
(224,524.24)
(213,832.61)
(203,650.11)
(193,952.48)
(184,716.65)
(175,920.62)
(167,543.45)
(159,565.19)
(151,966.85)
(144,730.33)
(137,838.41)
(131,274.68)
(125,023.50)
(119,070.00)
(113,400.00)
(108,000.00)

(2,116,652.25) (2,330,484.87) (2,555,009.11) (2,790,759.57) (3,038,297.54) (3,298,212.42) (3,571,123.04)

21
(286,556.15)
(272,910.62)
(259,914.88)
(247,537.98)
(235,750.46)
(224,524.24)
(213,832.61)
(203,650.11)
(193,952.48)
(184,716.65)
(175,920.62)
(167,543.45)
(159,565.19)
(151,966.85)
(144,730.33)
(137,838.41)
(131,274.68)
(125,023.50)
(119,070.00)
(113,400.00)
(108,000.00)

22
(300,883.96)
(286,556.15)
(272,910.62)
(259,914.88)
(247,537.98)
(235,750.46)
(224,524.24)
(213,832.61)
(203,650.11)
(193,952.48)
(184,716.65)
(175,920.62)
(167,543.45)
(159,565.19)
(151,966.85)
(144,730.33)
(137,838.41)
(131,274.68)
(125,023.50)
(119,070.00)
(113,400.00)
(108,000.00)

23
(315,928.16)
(300,883.96)
(286,556.15)
(272,910.62)
(259,914.88)
(247,537.98)
(235,750.46)
(224,524.24)
(213,832.61)
(203,650.11)
(193,952.48)
(184,716.65)
(175,920.62)
(167,543.45)
(159,565.19)
(151,966.85)
(144,730.33)
(137,838.41)
(131,274.68)
(125,023.50)
(119,070.00)
(113,400.00)
(108,000.00)

24
(331,724.57)
(315,928.16)
(300,883.96)
(286,556.15)
(272,910.62)
(259,914.88)
(247,537.98)
(235,750.46)
(224,524.24)
(213,832.61)
(203,650.11)
(193,952.48)
(184,716.65)
(175,920.62)
(167,543.45)
(159,565.19)
(151,966.85)
(144,730.33)
(137,838.41)
(131,274.68)
(125,023.50)
(119,070.00)
(113,400.00)
(108,000.00)

25
(348,310.79)
(331,724.57)
(315,928.16)
(300,883.96)
(286,556.15)
(272,910.62)
(259,914.88)
(247,537.98)
(235,750.46)
(224,524.24)
(213,832.61)
(203,650.11)
(193,952.48)
(184,716.65)
(175,920.62)
(167,543.45)
(159,565.19)
(151,966.85)
(144,730.33)
(137,838.41)
(131,274.68)
(125,023.50)
(119,070.00)
(113,400.00)
(108,000.00)

26
(365,726.33)
(348,310.79)
(331,724.57)
(315,928.16)
(300,883.96)
(286,556.15)
(272,910.62)
(259,914.88)
(247,537.98)
(235,750.46)
(224,524.24)
(213,832.61)
(203,650.11)
(193,952.48)
(184,716.65)
(175,920.62)
(167,543.45)
(159,565.19)
(151,966.85)
(144,730.33)
(137,838.41)
(131,274.68)
(125,023.50)
(119,070.00)
(113,400.00)
(108,000.00)
(3,857,679.20) (4,158,563.16) (4,474,491.31) (4,806,215.88) (5,154,526.67) (5,520,253.01)

If you haven't bought house you will have you downpayment amount and you can invest it and increase th

Y1

10.00

1
2
3
4
5
6
2,000,000.00 2,200,000.00 2,420,000.00 2,662,000.00 2,928,200.00 3,221,020.00

Total

2,000,000.00 2,200,000.00 2,420,000.00 2,662,000.00 2,928,200.00 3,221,020.00

d you can invest it and increase this money over the years
7
3,543,122.00

8
3,897,434.20

9
4,287,177.62

10
4,715,895.38

11
5,187,484.92

12
5,706,233.41

3,543,122.00

3,897,434.20

4,287,177.62

4,715,895.38

5,187,484.92

5,706,233.41

13
6,276,856.75

14
6,904,542.43

15
7,594,996.67

16
8,354,496.34

17
18
9,189,945.97 10,108,940.57

6,276,856.75

6,904,542.43

7,594,996.67

8,354,496.34

9,189,945.97

10,108,940.57

19
20
21
22
23
24
11,119,834.63 12,231,818.09 13,454,999.90 14,800,499.89 16,280,549.88 17,908,604.87

11,119,834.63

12,231,818.09

13,454,999.90

14,800,499.89

16,280,549.88

17,908,604.87

25
19,699,465.35

26
21,669,411.89

19,699,465.35

21,669,411.89

If you haven't bought house you will save the (EMI + Maintenace -Rent) money over the years again that w
10.00
Y1
Y2
Y3
Y4
Y5
Y6
Y7
Y8
Y9
Y10
Y11
Y12
Y13
Y14
Y15
Y16
Y17
Y18
Y19
Y20
Y21
Y22
Y23
Y24
Y25
Y26
Total

1
(108,000.00)

2
(118,800.00)
(108,000.00)

3
(130,680.00)
(118,800.00)
(108,000.00)

4
(143,748.00)
(130,680.00)
(118,800.00)
(108,000.00)

5
(158,122.80)
(143,748.00)
(130,680.00)
(118,800.00)
(108,000.00)

6
(173,935.08)
(158,122.80)
(143,748.00)
(130,680.00)
(118,800.00)
(108,000.00)

(108,000.00)

(226,800.00)

(357,480.00)

(501,228.00)

(659,350.80)

(833,285.88)

money over the years again that will built as asset for you.
7
(191,328.59)
(173,935.08)
(158,122.80)
(143,748.00)
(130,680.00)
(118,800.00)
(108,000.00)

8
(210,461.45)
(191,328.59)
(173,935.08)
(158,122.80)
(143,748.00)
(130,680.00)
(118,800.00)
(108,000.00)

9
(231,507.59)
(210,461.45)
(191,328.59)
(173,935.08)
(158,122.80)
(143,748.00)
(130,680.00)
(118,800.00)
(108,000.00)

10
(254,658.35)
(231,507.59)
(210,461.45)
(191,328.59)
(173,935.08)
(158,122.80)
(143,748.00)
(130,680.00)
(118,800.00)
(108,000.00)

11
(280,124.19)
(254,658.35)
(231,507.59)
(210,461.45)
(191,328.59)
(173,935.08)
(158,122.80)
(143,748.00)
(130,680.00)
(118,800.00)
(108,000.00)

12
(308,136.60)
(280,124.19)
(254,658.35)
(231,507.59)
(210,461.45)
(191,328.59)
(173,935.08)
(158,122.80)
(143,748.00)
(130,680.00)
(118,800.00)
(108,000.00)

(1,024,614.47) (1,235,075.91) (1,466,583.51) (1,721,241.86) (2,001,366.04) (2,309,502.65)

13
(338,950.26)
(308,136.60)
(280,124.19)
(254,658.35)
(231,507.59)
(210,461.45)
(191,328.59)
(173,935.08)
(158,122.80)
(143,748.00)
(130,680.00)
(118,800.00)
(108,000.00)

14
(372,845.29)
(338,950.26)
(308,136.60)
(280,124.19)
(254,658.35)
(231,507.59)
(210,461.45)
(191,328.59)
(173,935.08)
(158,122.80)
(143,748.00)
(130,680.00)
(118,800.00)
(108,000.00)

15
(410,129.82)
(372,845.29)
(338,950.26)
(308,136.60)
(280,124.19)
(254,658.35)
(231,507.59)
(210,461.45)
(191,328.59)
(173,935.08)
(158,122.80)
(143,748.00)
(130,680.00)
(118,800.00)
(108,000.00)

16
(451,142.80)
(410,129.82)
(372,845.29)
(338,950.26)
(308,136.60)
(280,124.19)
(254,658.35)
(231,507.59)
(210,461.45)
(191,328.59)
(173,935.08)
(158,122.80)
(143,748.00)
(130,680.00)
(118,800.00)
(108,000.00)

17
(496,257.08)
(451,142.80)
(410,129.82)
(372,845.29)
(338,950.26)
(308,136.60)
(280,124.19)
(254,658.35)
(231,507.59)
(210,461.45)
(191,328.59)
(173,935.08)
(158,122.80)
(143,748.00)
(130,680.00)
(118,800.00)
(108,000.00)

18
(545,882.79)
(496,257.08)
(451,142.80)
(410,129.82)
(372,845.29)
(338,950.26)
(308,136.60)
(280,124.19)
(254,658.35)
(231,507.59)
(210,461.45)
(191,328.59)
(173,935.08)
(158,122.80)
(143,748.00)
(130,680.00)
(118,800.00)
(108,000.00)

(2,648,452.91) (3,021,298.20) (3,431,428.02) (3,882,570.83) (4,378,827.91) (4,924,710.70)

19
(600,471.07)
(545,882.79)
(496,257.08)
(451,142.80)
(410,129.82)
(372,845.29)
(338,950.26)
(308,136.60)
(280,124.19)
(254,658.35)
(231,507.59)
(210,461.45)
(191,328.59)
(173,935.08)
(158,122.80)
(143,748.00)
(130,680.00)
(118,800.00)
(108,000.00)

20
(660,518.18)
(600,471.07)
(545,882.79)
(496,257.08)
(451,142.80)
(410,129.82)
(372,845.29)
(338,950.26)
(308,136.60)
(280,124.19)
(254,658.35)
(231,507.59)
(210,461.45)
(191,328.59)
(173,935.08)
(158,122.80)
(143,748.00)
(130,680.00)
(118,800.00)
(108,000.00)

21
(726,569.99)
(660,518.18)
(600,471.07)
(545,882.79)
(496,257.08)
(451,142.80)
(410,129.82)
(372,845.29)
(338,950.26)
(308,136.60)
(280,124.19)
(254,658.35)
(231,507.59)
(210,461.45)
(191,328.59)
(173,935.08)
(158,122.80)
(143,748.00)
(130,680.00)
(118,800.00)
(108,000.00)

22
(799,226.99)
(726,569.99)
(660,518.18)
(600,471.07)
(545,882.79)
(496,257.08)
(451,142.80)
(410,129.82)
(372,845.29)
(338,950.26)
(308,136.60)
(280,124.19)
(254,658.35)
(231,507.59)
(210,461.45)
(191,328.59)
(173,935.08)
(158,122.80)
(143,748.00)
(130,680.00)
(118,800.00)
(108,000.00)

23
(879,149.69)
(799,226.99)
(726,569.99)
(660,518.18)
(600,471.07)
(545,882.79)
(496,257.08)
(451,142.80)
(410,129.82)
(372,845.29)
(338,950.26)
(308,136.60)
(280,124.19)
(254,658.35)
(231,507.59)
(210,461.45)
(191,328.59)
(173,935.08)
(158,122.80)
(143,748.00)
(130,680.00)
(118,800.00)
(108,000.00)

24
(967,064.66)
(879,149.69)
(799,226.99)
(726,569.99)
(660,518.18)
(600,471.07)
(545,882.79)
(496,257.08)
(451,142.80)
(410,129.82)
(372,845.29)
(338,950.26)
(308,136.60)
(280,124.19)
(254,658.35)
(231,507.59)
(210,461.45)
(191,328.59)
(173,935.08)
(158,122.80)
(143,748.00)
(130,680.00)
(118,800.00)
(108,000.00)

(5,525,181.77) (6,185,699.95) (6,912,269.94) (7,711,496.93) (8,590,646.63) (9,557,711.29)

25
(1,063,771.13)
(967,064.66)
(879,149.69)
(799,226.99)
(726,569.99)
(660,518.18)
(600,471.07)
(545,882.79)
(496,257.08)
(451,142.80)
(410,129.82)
(372,845.29)
(338,950.26)
(308,136.60)
(280,124.19)
(254,658.35)
(231,507.59)
(210,461.45)
(191,328.59)
(173,935.08)
(158,122.80)
(143,748.00)
(130,680.00)
(118,800.00)
(108,000.00)

26
(1,170,148.24)
(1,063,771.13)
(967,064.66)
(879,149.69)
(799,226.99)
(726,569.99)
(660,518.18)
(600,471.07)
(545,882.79)
(496,257.08)
(451,142.80)
(410,129.82)
(372,845.29)
(338,950.26)
(308,136.60)
(280,124.19)
(254,658.35)
(231,507.59)
(210,461.45)
(191,328.59)
(173,935.08)
(158,122.80)
(143,748.00)
(130,680.00)
(118,800.00)
(108,000.00)
(10,621,482.42) (11,791,630.66)

House value over the years

Y1

9.00

1
2
3
4
5
6
2,000,000.00 2,180,000.00 2,376,200.00 2,590,058.00 2,823,163.22 3,077,247.91

Total

2,000,000.00 2,180,000.00 2,376,200.00 2,590,058.00 2,823,163.22 3,077,247.91

years
7
3,354,200.22

8
3,656,078.24

9
3,985,125.28

10
4,343,786.56

11
4,734,727.35

12
5,160,852.81

3,354,200.22

3,656,078.24

3,985,125.28

4,343,786.56

4,734,727.35

5,160,852.81

13
5,625,329.56

14
6,131,609.22

15
6,683,454.05

16
7,284,964.92

17
7,940,611.76

18
8,655,266.82

5,625,329.56

6,131,609.22

6,683,454.05

7,284,964.92

7,940,611.76

8,655,266.82

19
20
21
22
23
24
9,434,240.83 10,283,322.51 11,208,821.54 12,217,615.47 13,317,200.87 14,515,748.94

9,434,240.83

10,283,322.51

11,208,821.54

12,217,615.47

13,317,200.87

14,515,748.94

25
15,822,166.35

26
17,246,161.32

15,822,166.35

17,246,161.32

Year
2006
2007
2008
2009
2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
2027
2028
2029
2030
2031

You did NOT BUY House


Total Loss from Rent Total Asset Developed from Total Asset Developed
Downpayment
from EMI
(108,000.00)
2,000,000.00
(108,000.00)
(221,400.00)
2,200,000.00
(226,800.00)
(340,470.00)
2,420,000.00
(357,480.00)
(465,493.50)
2,662,000.00
(501,228.00)
(596,768.18)
2,928,200.00
(659,350.80)
(734,606.58)
3,221,020.00
(833,285.88)
(879,336.91)
3,543,122.00
(1,024,614.47)
(1,031,303.76)
3,897,434.20
(1,235,075.91)
(1,190,868.95)
4,287,177.62
(1,466,583.51)
(1,358,412.39)
4,715,895.38
(1,721,241.86)
(1,534,333.01)
5,187,484.92
(2,001,366.04)
(1,719,049.66)
5,706,233.41
(2,309,502.65)
(1,913,002.15)
6,276,856.75
(2,648,452.91)
(2,116,652.25)
6,904,542.43
(3,021,298.20)
(2,330,484.87)
7,594,996.67
(3,431,428.02)
(2,555,009.11)
8,354,496.34
(3,882,570.83)
(2,790,759.57)
9,189,945.97
(4,378,827.91)
(3,038,297.54)
10,108,940.57
(4,924,710.70)
(3,298,212.42)
11,119,834.63
(5,525,181.77)
(3,571,123.04)
12,231,818.09
(6,185,699.95)
(3,857,679.20)
13,454,999.90
(6,912,269.94)
(4,158,563.16)
14,800,499.89
(7,711,496.93)
(4,474,491.31)
16,280,549.88
(8,590,646.63)
(4,806,215.88)
17,908,604.87
(9,557,711.29)
(5,154,526.67)
19,699,465.35
(10,621,482.42)
(5,520,253.01)
21,669,411.89
(11,791,630.66)

You BOUGHT House


Total Asset at the
House Value at the
EMI Status
end of the year
end of the year
1,784,000.00
2,000,000.00 Still Paying EMI
1,751,800.00
2,180,000.00 Still Paying EMI
1,722,050.00
2,376,200.00 Still Paying EMI
1,695,278.50
2,590,058.00 Still Paying EMI
1,672,081.03
2,823,163.22 Still Paying EMI
1,653,127.54
3,077,247.91 Still Paying EMI
1,639,170.62
3,354,200.22 Still Paying EMI
1,631,054.53
3,656,078.24 Still Paying EMI
1,629,725.17
3,985,125.28 Still Paying EMI
1,636,241.13
4,343,786.56 Still Paying EMI
1,651,785.86
4,734,727.35 Still Paying EMI
1,677,681.10
5,160,852.81 Still Paying EMI
1,715,401.69
5,625,329.56 Still Paying EMI
1,766,591.97
6,131,609.22 Still Paying EMI
1,833,083.78
6,683,454.05 Still Paying EMI
1,916,916.40
7,284,964.92 No EMI Payment
2,020,358.50
7,940,611.76 No EMI Payment
2,145,932.33
8,655,266.82 No EMI Payment
2,296,440.44
9,434,240.83 No EMI Payment
2,474,995.10
10,283,322.51 No EMI Payment
2,685,050.76
11,208,821.54 No EMI Payment
2,930,439.80
12,217,615.47 No EMI Payment
3,215,411.94
13,317,200.87 No EMI Payment
3,544,677.70
14,515,748.94 No EMI Payment
3,923,456.26
15,822,166.35 No EMI Payment
4,357,528.22
17,246,161.32 No EMI Payment