Loan vs Investment Calculator

Should you prepay your loan or invest the money? Make data-driven decisions for optimal financial outcomes.

🤔 The Decision Scenario

You have extra money and two options: prepay your loan (guaranteed interest savings) or invest the money (potential higher returns but with risk). This calculator compares both options over the same time period to help you decide.

Loan Details

Loan Amount

₹25,00,000

Interest Rate (% per annum)

Loan Tenure (years)

Prepayment Amount

₹5,00,000

Expected Investment Return (% per annum)

Recommendation

Prepay the Loan

Analysis Period: 0 years | Years Saved: 0.0

Loan Prepayment

Monthly EMI₹0

Interest Saved₹0

New Tenure0.0 years

Investment Option

Investment Amount₹5,00,000

Future Value₹0

Investment Gains₹0

Time Period0 years

Current Loan Summary

Total Interest

₹0

Total Payment

₹0

Remaining Balance

₹0

📊 Direct Comparison

🏠 Prepayment Option

Amount Used:₹5,00,000

Interest Saved:₹0

Risk Level:Zero (Guaranteed)

📈 Investment Option

Amount Invested:₹5,00,000

Expected Gains:₹0

Risk Level:Market Risk

Net Advantage:

±₹0

Both are equal