Protection & Debt
Home Loan vs SIP Calculator
Loan outstanding₹30,00,000
Loan interest rate9%
Remaining tenure15 years
Extra amount you could pay/invest each month₹10,000
Expected SIP return if you invest instead12%
Which builds more wealth?
₹32,45,760
gained by investing instead
Interest saved by prepaying
₹10,77,350
Gains from investing instead
₹32,45,760
This calculator compares two ways to use the same extra monthly amount: paying it toward your home loan's principal on top of your regular EMI, versus investing it in a SIP for the loan's original remaining tenure. "Interest saved" is the reduction in total interest paid versus your loan's normal schedule; "gains from investing" is the SIP's projected value minus what you put in — the two figures are the fair comparison, not the loan balance against the SIP's gross value. Whichever number is larger here is not personal advice: loan prepayment earns a guaranteed, risk-free return equal to your loan's own interest rate, while SIP returns are projected and never guaranteed, which matters beyond the raw numbers.