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Prepay Home Loan vs Invest

One of the most common financial dilemmas in India — should you put your bonus towards your home loan or invest it? The answer depends on the numbers.

Loan & Investment Details

Amount to either prepay or invest
Expected return if invested instead

Prepay vs Invest Comparison

Prepay Loan
Interest saved + tenure cut
Tenure reduced by
Invest Instead
FV of lump sum invested
Over same period
Recommendation

This decision depends on more than just the numbers

Tax benefits, psychological peace of debt-free living, and your overall asset allocation all matter. A personalised analysis will give you clarity.

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Disclaimer: This calculator provides estimates for informational purposes only. This calculator compares pre-tax interest savings vs pre-tax investment returns. Tax treatment on both sides can change the outcome. Investments are subject to market risk. Past performance is not indicative of future returns. No guarantee or assurance of returns is implied. This is not personalised investment advice. Please consult a SEBI Registered Investment Adviser (Registration No. INA000012345) before investing.

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