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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 — computed on the real EMI amortization; investing pays you market returns. Compare the two roads.

Your inputs

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Your EMI
₹13,112
at the current rate
Prepay: interest saved
₹11,86,876
guaranteed, tax-free equivalent — from the real amortization
Loan closes early
10y 8m
paid off in month 112 instead of 240
Invest: corpus after the loan
₹28,02,205
₹23,02,205 growth @ 9%
●Investing wins by about ₹11,15,330 — worth it only if you actually stay invested.

Common questions

Should I prepay my home loan or invest the lump sum?

Prepaying saves guaranteed interest at your loan rate (tax-free equivalent); investing earns a market return that is uncertain. If your expected post-tax CAGR is clearly above the loan rate and you will genuinely stay invested, investing usually wins — otherwise prepaying is the safer, certain saving.

How is the interest saved on prepayment calculated?

Fi-Plan computes it on the real month-by-month amortization: the EMI stays the same and each prepayment cuts the outstanding principal, so the loan closes early. That interest saved is exactly what the full Fi-Plan simulator shows.

Ye estimate thi — asli plan 50 saal tak jata hai

Fi-Plan taxes, EMIs, salary jumps, SIPs aur inflation sab model karta hai — ek hi plan mein, encrypted.

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