Offset your entire loan interest with a disciplined SIP — own your home without the interest burden.
EMI Calculator
Monthly Outflow
Principal(—)Total Interest(—)
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Monthly EMI
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Investment Calculator
Growth Inflow
Total Invested(—)Gain(—)
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Total Monthly Outflow
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Net Impact Summary
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Total Interest
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Investment Gain
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Net Interest Cost
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Frequently Asked Questions
EMI (Equated Monthly Instalment) is the fixed monthly payment you make to repay a loan. It is calculated using the formula: EMI = P × r × (1+r)ⁿ / ((1+r)ⁿ − 1), where P is the principal, r is the monthly interest rate, and n is the number of months.
If you invest the equivalent of your loan interest every month into a SIP, the compounding returns over the loan tenure can grow to cover the total interest paid — effectively making your home loan interest-free. This calculator shows you exactly how much SIP is needed.
A conservative estimate for equity mutual funds is 10–12% CAGR over the long term. Historically, diversified index funds have delivered around 12% annually over 15–20 year periods. You can adjust the rate in the calculator to see different scenarios.
If your SIP return rate exceeds your home loan interest rate, investing is mathematically better. Home loan rates typically range from 8–9%, while long-term equity SIPs can return 10–12%. However, prepayment offers a guaranteed return equal to your loan rate, while SIP returns are market-linked.
A SIP (Systematic Investment Plan) spreads investments in fixed monthly amounts, reducing timing risk through rupee-cost averaging. A lumpsum is a one-time investment of the full amount. SIPs suit regular income earners; lumpsum works best when you have a large sum ready to deploy.
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