Weighing a loan against your other goals?
See how this EMI fits with your investments and protection before you commit.
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About this calculator
Spare money can either cut your loan or be invested. This compares both on equal terms: where you would stand at the end of your current loan term.
How is this calculated?
Prepay: the loan closes early, and the EMIs you no longer pay are invested monthly until the original end date. Invest: the money grows at the assumed return for the full term. Investment gains are reduced by long-term capital gains tax above ₹1.25 lakh.
Calculations are illustrative and based on the assumptions you enter. Actual investment returns may vary, and past performance does not guarantee future results. These calculators are for education and should not be taken as investment, tax or legal advice. Tax figures follow the rules for FY 2026-27 as announced in Budget 2026 and are simplified; please confirm your own position with a tax professional. Integrato Financial Services Pvt. Ltd. is an AMFI-registered Mutual Fund Distributor (ARN-173155). Mutual fund investments are subject to market risks; read all scheme-related documents carefully.