EMI vs SIP calculator
Reduce your EMI and invest the savings — see whether that actually grows more wealth.
How this comparison works
The strategy being tested: stretch your loan tenure to lower the EMI, then invest the monthly difference in a SIP instead of paying it toward the loan.
Extending the tenure reduces your monthly EMI, freeing up cash each month.
That monthly saving is run through the SIP formula for your remaining tenure.
The extra loan interest from the longer tenure is weighed against the projected SIP value.
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
Figures above update with the inputs you enter and rely on the SIP return rate you assume — actual mutual fund returns aren't guaranteed. This isn't financial advice; consider your own risk tolerance or a licensed advisor before deciding.