Down Payment Calculator
Optimize your down payment amount to balance EMI affordability, total interest cost, and liquidity needs. Find the perfect down payment strategy for your vehicle purchase.
Vehicle & Financial Details
₹
₹3L
₹50L
₹
₹25K
₹3L
₹
₹5K
₹1L
26.7% of income
years
1 year
8 years
%
7%
16%
₹
₹1L
₹20L
Recommended Down Payment
₹2,50,000
25% of vehicle price
Monthly EMI
₹15,850
Loan Amount
₹7,50,000
Total Interest
₹2,01,000
Down Payment Analysis
Optimal Balance Strategy
Based on your income and preferences, a 25% down payment provides the best balance between EMI affordability and total interest cost.
Vehicle Price
₹10,00,000
Recommended Down Payment
₹2,50,000 (25%)
Loan Amount
₹7,50,000
Monthly EMI
₹15,850
EMI-to-Income Ratio
21.1%
Remaining Cash
₹2,50,000
Total Cost (Principal + Interest)
₹12,01,000
Down Payment Options Comparison
| Down Payment | Loan Amount | Monthly EMI | Total Interest | EMI Ratio |
|---|
💡 Down Payment Tips
Maintain Liquidity
Keep enough cash for emergencies and other expenses after making the down payment.
EMI-to-Income Rule
Keep your total EMIs below 40-50% of monthly income for healthy finances.
Interest vs Investment
Consider if you can earn better returns by investing the extra cash instead of higher down payment.