Real Value EMI Engine: See the TRUE Cost of Loans After Inflation (India)
Understand the real (inflation-adjusted) cost of loans in India using the RealValue EMI Engine — see what you truly pay over time, post-tax and post-inflation.
About This Video
This video demonstrates the RealValue EMI Engine, a tool that reveals the true cost of any loan by adjusting for inflation and taxes. Instead of focusing only on nominal EMIs, it shows what you actually pay in real terms over the life of the loan.
What You’ll Learn
- How EMIs break down into principal vs. interest across months
- Difference between Nominal vs. Real (inflation-adjusted) payments
- Post-tax impact on interest payments for more realistic totals
- Visualizing cumulative payments and real cost over time
- How to share and revisit scenarios via the URL
Key Features Covered
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Real Cost Analysis
- Inflation-adjusted totals to reflect purchasing power
- Post-tax computation of interest outflows
- Present value of your total payments
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EMI Structure & Timeline
- Monthly breakdown of interest vs. principal
- Yearly summaries and interactive charts
- Early prepayment scenario exploration
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Sharing & Reproducibility
- Compact URL preserves all inputs
- Share with family or advisors to discuss options
Related Resources
Why It Matters
Loan calculators often show inflated totals that ignore erosion of value due to inflation. The RealValue EMI Engine highlights what your payments are worth in today’s money, helping you make smarter borrowing decisions.
Watch the video above to understand the true cost of loans and plan repayments more effectively.