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Down Payment vs EMI Calculator

See how a larger down payment changes your EMI and total interest, across common scenarios.

Comparing 10%, 20%, 30% and 40% down payment scenarios at the same price, rate and tenure.

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This calculator only shows the interest trade-off. It doesn't account for what a larger down payment could otherwise earn if invested — see the Rent vs Buy Calculator for that comparison.

How this calculator works

What it calculates

The monthly EMI and total interest paid across four common down payment percentages — 10%, 20%, 30%, 40% — on the same property, rate and tenure, so you can see the trade-off directly.

Is a bigger down payment always better?

Financially, yes — it reduces total interest paid. But it also ties up more of your savings upfront. Whether that's worth it depends on what else that money could do for you — see the Rent vs Buy Calculator for a fuller comparison.