EMI vs SIP Calculator
Reduce EMI & invest savings to grow wealth
✅ You can gain ₹ 4,274,705 by choosing this strategy
Old EMI
₹ 43,391
New EMI
₹ 40,261
Monthly Savings
₹ 3,130
SIP Value
₹ 5,939,233
Extra Interest Paid
₹ 1,664,527
Net Gain / Loss
₹ 4,274,705
Profit from SIP after interest
Best Strategy
✅ Invest Savings in SIP
SIP returns beat extra loan interest
EMI vs SIP Analysis for Your Loan
For a loan amount of ₹5,000,000 at 8.5% interest for 0 years, your EMI is approximately ₹43,391.
If you increase tenure and invest monthly savings of ₹3,130 into a SIP, your investment can grow to ₹5,939,233.
This results in a net ₹4,274,705 gain.
Which is Better: EMI or SIP?
Based on your inputs, investing in SIP provides better returns than loan prepayment. This is because expected market returns are higher than your loan interest rate.
Frequently Asked Questions
Is SIP better than EMI prepayment?
SIP is better if expected returns are higher than your loan interest rate. Otherwise, prepaying your loan saves more money.
Can I gain ₹4,274,705 using SIP?
Yes, based on your inputs, your potential gain or loss is calculated instantly using this tool.
Should I prepay home loan or invest?
If your loan interest rate is lower than expected SIP returns, investing is usually the better option.