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Home Loan Health Score
Answer 15 questions about your home loan. Get an instant 0–100 score across rate competitiveness, affordability, structure, flexibility, and protection — with specific insights and action steps for your situation.
More tools
Prepay vs Invest
Bonus just hit? Tells you in rupees whether to prepay your home loan or invest. Tax-adjusted, joint-borrower-aware.
Balance Transfer Analyser
Should you switch lenders? Accounts for MODT, state-wise stamp duty, and all switching costs — not just the rate gap.
Rent vs Buy
Models 20-year wealth trajectories for both paths — including the opportunity cost of your down payment that most calculators ignore.
Coming soon
Why LoanSach
About LoanSach
LoanSach is a project built on a simple observation: most Indians who take home loans — the largest financial commitment most families make — make key decisions with the number their lender gave them, not the number that reflects their actual cost.
The tools here exist to close that gap. Not by making lending feel scary. Not by pretending it is simple. By giving you the actual math, in plain language, for your specific situation — without asking for your phone number in exchange.
We are starting with home loans, but not stopping there. Tools for personal loans, credit cards, car loans, education loans, and more are on the way — each built with the same principle: clarity first, for the specific way that product works in India.