Result View
Simple shows the answer and yearly view. Advanced opens detailed monthly rows and assumptions.
Answer first
Your investment can fund the loan for 10yr.
The corpus funds the loan payments for the full tenure with a reasonable cushion.
Decision
Good
Plain English Summary
The conclusion before the spreadsheet.
Your Rs 1.00 Cr investment is expected to fund the loan payments for the full 10 years.
You will withdraw about Rs 1.52 Cr from the investment over the tenure to pay the loan.
Because your investment is assumed to grow at 12.00% CAGR while the loan costs about 9.38% effectively per year, your corpus still survives.
Estimated corpus left after the loan ends: Rs 29.45 L before tax.
Monthly EMI / Payment
₹1,26,676
Total EMI Paid
₹1.52Cr
Total Interest Paid
₹52.01L
Total Withdrawn from Investment
₹1.52Cr
Final Corpus
₹29.45L
Corpus Status
Survived
Effective Loan Cost
9.38% p.a.
Investment Return
12.00% CAGR
Effective Carry Spread
+2.62% p.a.
What Happened?
You started with Rs 1.00 Cr invested.
Every month, the investment grows first, then the loan payment amount is withdrawn from it, and that withdrawal is used to pay the loan.
By the end of the tenure, your loan left is Rs 0.
You withdrew Rs 1.52 Cr in total from the investment.
Your investment still has Rs 29.45 L left.
Corpus Survives
Your investment remains positive through the full loan tenure.
Positive Carry
Your investment return is higher than the effective loan cost.
High margin
Final corpus is 29.45% of your starting corpus.
Warnings to Notice
- This result is before tax. Actual corpus may be lower after tax.
- Investment return is assumed constant at 12.00% CAGR. Real investments can fluctuate.
- Processing and insurance fees are set to zero. Add them if they apply to your loan.
- Calculator assumes a fixed loan rate. Floating-rate loans can change the result.
Loan Balance vs Investment Corpus
This chart shows your loan reducing over time while your investment corpus is used to fund the loan payment.
Loan Payment Split Over Time
This shows how each payment is split between lender interest and actual loan reduction.
Corpus Movement
This compares investment growth, withdrawals, and corpus left after the monthly withdrawal.
What If? Scenarios
Same loan, lower/base/higher investment return.
Conservative Case
10.00% return
₹6.20L
Survives full tenure
WarningBase Case
12.00% return
₹29.45L
Survives full tenure
SurvivesOptimistic Case
14.00% return
₹58.36L
Survives full tenure
SurvivesSchedule
Yearly summary is shown first. Monthly detail stays available for checking every row.
| Year | Loan Paid During Year | Interest Paid During Year | Principal Repaid During Year | Investment Withdrawn During Year | Investment Growth During Year | Loan Balance at Year End | Corpus at Year End | Status |
|---|---|---|---|---|---|---|---|---|
| 1 | ₹15,20,109 | ₹8,73,770 | ₹6,46,339 | ₹15,20,109 | ₹11,18,104 | ₹93,53,661 | ₹95,97,995 | Survives |
| 2 | ₹15,20,109 | ₹8,13,139 | ₹7,06,970 | ₹15,20,109 | ₹10,69,864 | ₹86,46,691 | ₹91,47,750 | Survives |
| 3 | ₹15,20,109 | ₹7,46,820 | ₹7,73,289 | ₹15,20,109 | ₹10,15,834 | ₹78,73,402 | ₹86,43,475 | Survives |
| 4 | ₹15,20,109 | ₹6,74,280 | ₹8,45,829 | ₹15,20,109 | ₹9,55,321 | ₹70,27,573 | ₹80,78,687 | Survives |
| 5 | ₹15,20,109 | ₹5,94,936 | ₹9,25,173 | ₹15,20,109 | ₹8,87,547 | ₹61,02,400 | ₹74,46,124 | Survives |
| 6 | ₹15,20,109 | ₹5,08,148 | ₹10,11,961 | ₹15,20,109 | ₹8,11,639 | ₹50,90,439 | ₹67,37,655 | Survives |
| 7 | ₹15,20,109 | ₹4,13,219 | ₹11,06,890 | ₹15,20,109 | ₹7,26,623 | ₹39,83,549 | ₹59,44,168 | Survives |
| 8 | ₹15,20,109 | ₹3,09,385 | ₹12,10,724 | ₹15,20,109 | ₹6,31,405 | ₹27,72,825 | ₹50,55,464 | Survives |
| 9 | ₹15,20,109 | ₹1,95,811 | ₹13,24,298 | ₹15,20,109 | ₹5,24,760 | ₹14,48,527 | ₹40,60,114 | Survives |
| 10 | ₹15,20,110 | ₹71,583 | ₹14,48,527 | ₹15,20,110 | ₹4,05,318 | ₹0 | ₹29,45,322 | Survives |
Download Results
Excel includes Summary, Explanation, Yearly Summary, Monthly Schedule, Assumptions, and Glossary.