Enter your loan and return assumptions. The calculator will show your EMI, total interest, and the SIP needed per month to offset that interest by the end of tenure.
Inputs
Assumptions: fixed-rate EMI with monthly compounding. SIP growth is modelled; real returns vary.
Results
EMI (₹/month)
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Total Interest Payable (₹)
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Total Outflow (₹)
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Required SIP to Offset Interest (₹/month)
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Total SIP Invested (₹)
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Projected SIP Value @ Tenure End (₹)
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Coverage Ratio
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Tip: Switching to Beginning of Month contributions reduces the SIP needed (more time in the market).
Show schedules (amortization & SIP projection)
Loan Amortization
First 360 rows shown (increase tenure to see more/less)
SIP Projection
Assumes constant monthly SIP and constant monthly return i = (annual%/12)
Built for educational use. Consider using conservative return assumptions for planning.