EMI Calculator

Calculate your monthly loan payments and discover how you can recover your entire interest cost through strategic SIP investments.

EMI Offset Calculator

Recover your loan interest with smart investments.

Loan Details

Loan Amount

₹

HNI/UHNI? Enter manually (Max: ₹1000 Cr)

Interest Rate

Max: 18%

Loan Tenure

Years

Max: 30 Years

Offset Strategy

Monthly SIP Amount

Invest this monthly to kill loan interest.

₹

HNI/UHNI? Enter manually (Max: ₹10 Cr)

Expected Return (SIP)

Max: 30%

Initial Lumpsum (Optional)

₹

HNI/UHNI? Enter manually (Max: ₹100 Cr)

Projected Interest Recovered

₹14.77 L

You can become debt-free 5.4 years earlier by doing a monthly SIP of ₹5.00 K with 12% expected return.

Invested

₹8.75 L

Gained

₹14.77 L

Monthly EMI₹44.99 K

Total Interest₹57.97 L

Time Saved5.4 Years

Interest Saved₹6.16 L

What is an EMI Offset Strategy?

When you take a long-term loan, you often end up paying nearly double the principal amount in interest. An EMI Offset strategy involves running a small parallel SIP (Systematic Investment Plan) alongside your EMI. Over the loan tenure, the power of compounding on this SIP can generate enough wealth to completely recover the interest paid on your loan.

Pro Tip: Pre-payments vs SIP

While prepaying your loan reduces the interest burden, investing that same extra amount in an equity mutual fund (SIP) often yields a higher return (e.g., 12%) than your loan's interest rate (e.g., 9%). This interest rate arbitrage allows you to build wealth while servicing your debt.