EMI vs Invest
Enter any purchase and loan terms. See what your EMI could grow to if invested as a monthly SIP instead.
Annual rate (% p.a.)
Duration in months
Monthly EMI
₹39,003/mo
Total Paid
₹17,04,108
Total Interest
₹2,04,108
If you invested the EMI instead (12% CAGR)
10Y
₹90,61,921
20Y
₹3.9 Crore
30Y
₹13.8 Crore
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Calculator guide
How to use the EMI vs Invest Calculator
Use this calculator to compare buying something on EMI with investing the same monthly cash flow instead.
Why compare EMI with investing?
EMI makes expensive purchases feel smaller by converting them into monthly payments. The trade-off is that those monthly payments cannot compound elsewhere.
This page is not anti-purchase. It simply shows the full cost so a purchase decision is made with clear eyes.
Frequently asked questions
Does this mean I should never take EMI?+
No. Some loans are useful. The point is to compare interest cost and lost compounding before taking discretionary EMIs.
What return assumption should I use?+
Use a conservative long-term assumption. PaisaProof defaults are illustrative and not guaranteed.