"Do not save what is left after spending, but spend what is left after saving."
– Warren Buffett
– Warren Buffett
Compare a monthly SIP with the cost of an equivalent loan EMI.
Deepak pays ₹25,000 a month as a personal loan EMI for 5 years — ₹15 lakh in total payments. Investing the same ₹25,000 a month at 12% for 5 years instead would build about ₹20.6 lakh. The gap shows what the debt costs beyond the principal borrowed.
Uses monthly compounding based on the expected annual return and investment period. Contributions are assumed to be made at the beginning of each month.
The result is an educational estimate, not a guaranteed return or personal financial recommendation. Review current product documents and consult a qualified advisor before investing.
This calculator helps you quantify a specific financial decision. Understanding the numbers behind your choices — whether investing, borrowing, or planning — turns anxiety into action. Use the result as a starting point for deeper research or a conversation with a qualified advisor.
Using the calculator once and forgetting it — financial planning is iterative; revisit when income, expenses, goals, or market conditions change. Treating the output as a guarantee — it is an estimate based on assumptions. Not consulting a qualified advisor for large, irreversible decisions (home purchase, retirement corpus withdrawal, large lump-sum deployment).
No. They are educational estimates based on the inputs and assumptions shown on this page.
No. Unless stated otherwise, taxes, fees, charges, and product-specific rules are not included.
Use it to compare scenarios, then verify current product documents and seek qualified advice before making a decision.
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