대출, 비용, 주택 결정을 계획하는 구매자와 소유자.
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.
계산 방법 - 방법론, 공식 및 출처SIP 우위 금액
₹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.
SIP 경로 (Winner)
적립금
₹99,91,479
투자금
₹24,00,000
수익
₹75,91,479
선상환 경로
절약된 이자
₹21,78,721
대출 상환 후 SIP
₹71,70,902
총 자산
₹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.