Loan Tenure vs SIP Calculator: Compare EMI & SIP Returns
Loan Tenure vs SIP Calculator
Take a longer home loan, invest the EMI savings through SIP, and compare the difference.
Add any extra amount you want to invest every month.
Your Results
A simple comparison between the two loan options.
1. Shorter Loan
You repay the loan faster, but EMI is higher.
Loan Tenure
—
Monthly EMI
—
Total Loan Payment
—
Total Interest
—
2. Longer Loan + SIP
Lower EMI and invest the savings through SIP.
Loan Tenure
—
Monthly EMI
—
Monthly SIP
—
Total SIP Investment
—
Estimated SIP Value
—
Total Loan Payment
—
Total Interest
—
Net Advantage (Longer Loan + SIP)
This is the SIP corpus after subtracting the extra
interest paid for taking the longer loan tenure.
—
Based on the expected SIP return entered above.
Actual market returns may be different.
Want to compare with SIP in both options?
Add the same extra SIP amount to the shorter loan and see how the comparison changes.
Shorter Loan + SIP vs Longer Loan + SIP
Shorter Loan + Extra SIP
Monthly SIP
—
SIP Period
—
SIP Investment
—
Estimated SIP Value
—
Longer Loan + SIP
Monthly SIP
—
SIP Period
—
SIP Investment
—
Estimated SIP Value
—
Want to learn more about home loan planning?
Learn how loan tenure affects EMI and total interest, and how investing the EMI difference through SIP works.
Read: Home Loan & SIP Planning Guide →
Note:
This calculator provides an estimate based on the loan
amount, interest rate, loan tenures, optional SIP amount,
and expected SIP return entered by the user.
The SIP amount in the Longer Loan + SIP option is based
on the difference between the shorter-loan EMI and the
longer-loan EMI, plus any optional extra SIP amount.
The SIP is assumed to continue for the entire selected
longer loan period and is not withdrawn during the loan
tenure.
The Net Advantage figure subtracts the extra interest
paid on the longer loan tenure (compared to the shorter
tenure) from the estimated SIP corpus, to give a more
realistic picture of the benefit.
Mutual fund returns are market-linked and actual returns
may be higher or lower than the assumed return.
Actual loan EMI, interest, bank charges, taxes,
prepayment terms, and investment returns may vary.
This calculator is for educational and informational
purposes only and should not be considered financial advice.