Loan vs Invest Calculator
Compare extra loan payments vs investing the same surplus.
Loan Details
Surplus & Investment
Monthly EMI
Rs 0
Interest (No Prepay)
Rs 0
Payoff Time With Extra
0 yrs
Interest Saved
Rs 0
Invest Surplus Value
Rs 0
Prepay Then Invest Value
Rs 0
Better Outcome
-
Loan Prepayment vs Investing
Paying extra toward your loan reduces interest and shortens the tenure. Investing the same surplus may yield higher returns depending on your expected rate of return.
What This Calculator Shows
- Interest saved by prepaying the loan
- Investment value if you invest the surplus
- Outcome if you invest after the loan is paid off early
Frequently Asked Questions
Should I always prepay my loan?
Not always. It depends on your loan rate, investment return, and liquidity needs.
Does this consider prepayment penalties?
No. Add any penalties or fees to your decision outside this estimate.
Is the investment return guaranteed?
No. Use a conservative return rate that matches your risk profile.