SAVINGZ DECISION TOOL

Loan Prepayment vs Investment

Compare the estimated interest saved by reducing a loan with the post-tax, inflation-adjusted value of investing the same surplus.

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Debt versus growth

Use the same surplus in two different ways

Outstanding loan ₹

Loan interest % p.a.

Remaining tenure in months

Current EMI ₹ (optional)Leave zero to calculate an approximate EMI.

Amount available ₹

Expected investment return % p.a.

Tax rate on investment gain %

Inflation assumption %

Model assumption: The EMI is kept unchanged after prepayment, so the model estimates tenure reduction. Lender rules, prepayment charges, floating-rate changes and tax deductions are not automatically included.