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Prepayment vs SIP Calculator
Should you prepay your home loan or invest in mutual funds? Compare both strategies side by side. See interest saved vs SIP returns, break-even rate, and a clear verdict.
Come calcoliamo - metodologia, formule e fontiSIP vince di
₹6,41,856
Investing in SIP at 12% builds more wealth than prepaying your 8.5% loan
Your EMI is ₹43,391/month. With ₹10,000/month extra, you can either prepay your loan or invest in a SIP.
Percorso SIP (Winner)
Patrimonio
₹99,91,479
Investito
₹24,00,000
Rendimenti
₹75,91,479
Percorso estinzione anticipata
Interessi risparmiati
₹21,78,721
SIP post-prestito
₹71,70,902
Patrimonio totale
₹93,49,623
Prepayment finishes loan 7y 1m early
Your 20-year loan finishes in 12y 11m, saving ₹21,78,721 in interest. After payoff, EMI + extra (₹53,391/mo) goes to SIP for 85 months.
Break-even SIP return: 11.4%
If your SIP earns above 11.4% p.a., investing wins. Below this, prepaying the loan is better. Your loan rate is 8.5% - the break-even is above your loan rate because prepayment savings are guaranteed while SIP returns carry risk.
SIP Corpus vs Prepayment Savings
| Year | Loan bal. | SIP corpus |
|---|---|---|
| 1 | ₹49,00,489 | ₹1,28,093 |
| 2 | ₹47,92,181 | ₹2,72,432 |
| 3 | ₹46,74,300 | ₹4,35,076 |
| 4 | ₹45,46,000 | ₹6,18,348 |
| 5 | ₹44,06,359 | ₹8,24,864 |
| 6 | ₹42,54,375 | ₹10,57,570 |
| 7 | ₹40,88,957 | ₹13,19,790 |
| 8 | ₹39,08,918 | ₹16,15,266 |
| 9 | ₹37,12,965 | ₹19,48,215 |
| 10 | ₹34,99,691 | ₹23,23,391 |
| 11 | ₹32,67,566 | ₹27,46,148 |
| 12 | ₹30,14,923 | ₹32,22,522 |
| 13 | ₹27,39,949 | ₹37,59,311 |
| 14 | ₹24,40,670 | ₹43,64,180 |
| 15 | ₹21,14,937 | ₹50,45,760 |
| 16 | ₹17,60,412 | ₹58,13,782 |
| 17 | ₹13,74,550 | ₹66,79,208 |
| 18 | ₹9,54,582 | ₹76,54,392 |
| 19 | ₹4,97,492 | ₹87,53,254 |
| 20 | ₹0 | ₹99,91,479 |
Note: SIP returns are market-linked and not guaranteed. Prepayment savings are guaranteed. This comparison does not account for Section 24(b) tax benefit on home loan interest (up to ₹2L/year) or LTCG tax on equity mutual fund gains (12.5% above ₹1.25L/year). Consult a financial advisor for personalised advice.