₹10k/mo · 12% · 10% step-up
₹87L
estimated corpus
Invested: ₹38L
Gains: ₹49L
Calculator
Investment Growth Calculator
Compare how ₹10,000 a month grows as an investment versus what it saves as a home loan prepayment. Step-up investing dramatically changes the outcome.
15-year scenario comparison — ₹10,000/month
See how return rate and annual step-up affect your final corpus.
₹10k/mo · 12% · no step-up
₹50L
estimated corpus
Invested: ₹18L
Gains: ₹32L
₹10k/mo · 8% · no step-up
₹35L
estimated corpus
Invested: ₹18L
Gains: ₹17L
Returns are illustrative and based on fixed annual growth rates. Actual returns vary.
Invest vs. prepay — how to decide
Prepay if your loan rate is high
If your home loan rate is 8.5%+ and your expected investment returns are 10–12%, the difference is small after tax. Prepaying provides a guaranteed, risk-free return equal to your loan rate.
Invest if your loan rate is low
If you negotiate your rate down to 7.5% or below via 100 Club, investing in a diversified equity SIP can comfortably beat your loan cost over a 10–15 year horizon.