Invest vs Prepay Calculator

Should you use a surplus to prepay your loan or invest it? This calculator compares the interest you'd save by prepaying against the wealth you could build by investing instead.

Outstanding loan amount₹30.00 L

₹

Loan interest rate8.5%

Remaining tenure20 years

Surplus amount available₹5.00 L

₹

Decision made in year3 years

Expected investment return12%

Interest saved by prepaying₹11.73 L

Net gain from investing instead₹29.33 L

Investing looks better here

This calculator is for illustration only. Actual returns from mutual funds and market-linked investments are not guaranteed and depend on market performance. Please consult a SEBI-registered investment adviser before making investment decisions.