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.
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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.