Loan Prepayment vs Investment Calculator
Make informed financial decisions with comprehensive analysis
Calculation Results
Current EMI
₹0
Monthly Payment
Total Interest (Current)
₹0
Over Loan Tenure
New EMI (After Prepayment)
₹0
Monthly Payment
Interest Saved
₹0
By Prepaying
Investment Corpus
₹0
At Loan End
Net Benefit
₹0
Best Option
Prepayment Option
Remaining Loan Amount:
₹0
New Monthly EMI:
₹0
Interest Saved:
₹0
Effective Benefit:
₹0
Investment Option
Initial Investment:
₹0
Investment Period:
0 months
Final Corpus:
₹0
Total Returns:
₹0
Recommendation
Calculate to see recommendation
Visual Comparison
Frequently Asked Questions
What does this calculator actually compare??
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This calculator compares two financial outcomes:
• Total interest saved if you use your surplus to prepay your loan
• Potential investment gain if you invest that same surplus instead
It highlights which option gives you better value based on your inputs.
• Total interest saved if you use your surplus to prepay your loan
• Potential investment gain if you invest that same surplus instead
It highlights which option gives you better value based on your inputs.
How do I choose between reducing EMI and reducing loan tenure?
▼
You can simulate both:
• Reducing EMI: Lowers monthly payments, same loan term
• Reducing Tenure: Same EMI, but loan closes faster
The calculator shows results for both to help you decide what suits you better.
• Reducing EMI: Lowers monthly payments, same loan term
• Reducing Tenure: Same EMI, but loan closes faster
The calculator shows results for both to help you decide what suits you better.
How accurate are the results from this calculator?
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The calculator uses standard amortization and compound interest formulas.
Results are highly accurate for fixed-rate EMI loans and investments with annual returns.
For floating-rate loans, use results as a good estimate.
Results are highly accurate for fixed-rate EMI loans and investments with annual returns.
For floating-rate loans, use results as a good estimate.
Can I use this calculator for any loan type?
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Yes - this calculator works for any fixed-interest EMI loan, such as:
.
• Home loans
• Personal loans
• Car loans
Just make sure your loan has a regular monthly EMI structure and not a flexible or overdraft model.
• Home loans
• Personal loans
• Car loans
Just make sure your loan has a regular monthly EMI structure and not a flexible or overdraft model.