Home Loan: Prepay or Invest? Calculator

Compare two strategies for your surplus: prepay the home loan (reduce tenure) or invest the same amount. See how many months you save on the loan, interest saved, and the value of your investments over time.

Loan Details
Surplus & Investment
Default equals loan tenure. Used for charts and investment growth tracking.
Notes:
  • Prepay strategy: Fixed EMI plus extra monthly prepayment; tenure reduces. One-time extra (if any) is applied at the chosen month.
  • Invest strategy: Pay only EMI; invest the extra monthly and the one-time extra to grow at the chosen return.
  • Outputs compare interest saved and months saved versus the investment corpus at the chosen horizon.
Summary
EMI (Baseline)
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Based on principal, rate, and tenure
Debt-free (Prepay)
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Months saved vs baseline
Interest Saved (Prepay)
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Investment Corpus (Invest)
—
Recommendation
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This is an estimate. Taxes, fees, and rate changes are not modeled.
Outstanding vs Investment

Year-wise Breakdown

Year Outstanding (Baseline) Outstanding (Prepay) Cumulative Interest (Baseline) Cumulative Interest (Prepay) Investment Corpus

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