Same money. Different doors. Different financial outcome.

Tell the tool your situation. Three sliders, that's it.

Principal is how much money you need to borrow. Net monthly income is what you take home each month — used to check whether a loan's monthly payment is realistic for you.

There is no single "best" loan. Two winners answer two different questions: cheapest over the full term, and lightest each month. They are almost never the same loan — that's the trap.

Each card below is one loan option. The big number is the True APR — the honest rate including hidden costs. The bar at the bottom is your DTI: green if affordable, amber if stretched, red if dangerous.

Use the Compare toggle at the top-left of any card to drop it from the comparison — useful for narrowing to your real shortlist. Click anywhere else on a card to make it the focal loan.

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Each bar = the total money out of your pocket for that loan, broken into pieces.

The green segment is the principal — same size on every bar, because you're borrowing the same amount. The orange segment is interest paid over the life of the loan. The brown segment is processing fees the lender charges upfront.

Longer bar = more money gone. The bars are ranked costliest first, so the top one is the loan that drains you the most.

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Each line shows how much you still owe at any moment in time. Higher = more debt left. Lower = closer to free.

A line that drops quickly and steeply means your payments are actually killing the debt. A line that hugs the top for years before bending means your payments are mostly going to interest — you're "renting" the money, barely reducing what you owe.

The bolder, fully-opaque line is your focal loan (click any card in section 02 to change it). The dashed vertical mark is the "year X" point from section 07's slider — where each line sits at that vertical line is exactly where you'd be at that year.

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Every monthly payment splits in two: some pays down the actual debt (good), some pays interest to the lender (gone forever). This chart shows that split, accumulating month by month.

The green area is total principal repaid so far. The orange area on top is total interest paid so far. Notice the shape: in year 1, the orange area is much taller than green — almost all your payment is interest. By the final years, it's the opposite.

The dashed black line is the outstanding balance — how much you'd still owe to close the loan at any point.

The milestone cards below show how much interest you'll have paid at key years — and what percent of your total payments went to interest by that point.

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What if you don't run the loan to the end? Maybe you sell the house, refinance, or pay off the loan with a bonus. This shows your exact position at any year.

For each loan you'll see four numbers: interest paid so far (gone, can't get back), principal repaid (the equity you've actually built), balance to close (what you'd need to settle today), and cash out so far (every rupee you've handed the lender).

The shocking number to watch is the ratio between interest paid and principal repaid — on long loans in early years, you'll have paid 2-3× more in interest than you've reduced the debt.