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Prepay vs invest calculator

You have a lump sum: pay it on the loan, or invest it? The loan saves you guaranteed interest; investing pays you market returns. Compare the two roads.

Your inputs

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Loan principal

₹

Loan interest rate (%)

p.a.

Loan term (years)

years

Lump sum to use

₹

Expected CAGR if invested (%)

p.a.

Your EMI

₹13,112

at the current rate

Prepay: interest saved

₹5,48,995

guaranteed, tax-free equivalent

Invest: corpus after the loan

₹28,02,205

₹23,02,205 growth @ 9%

●Investing wins by about ₹17,53,210 — worth it only if you actually stay invested.