NEXTLEVEL EDUCATION PRIVATE LIMITED
AMFI Registered Mutual Fund Distributor & SIF Distributor  |  Mumbai · Kolkata · Madurai

Prepay the Loan, or Invest?

Where Net Worth Ends Up · Client Consultancy

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Inputs

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Invest alongside — net
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Prepay then invest — net
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Interest saved by prepaying
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Net worth over time

Investments minus loan outstanding, year by year, for each strategy.
Invest alongside Prepay, then invest

Net worth, year by year

YrInvest alongsidePrepay then investDifference

Disclaimer: This tool is for illustrative and educational purposes only. Figures assume steady returns and simplified tax and are not guaranteed — actual outcomes vary with markets, sequence of returns, costs and personal circumstances. Mutual Fund investments are subject to market risks; read all scheme-related documents carefully. Nothing here is financial, investment, tax, or legal advice. Consult a SEBI-registered adviser or tax consultant before acting.

NEXTLEVEL EDUCATION PRIVATE LIMITED AMFI Registered Mutual Fund Distributor & SIF Distributor
Mumbai · Kolkata · Madurai

DisclaimerThis tool is for illustrative and educational purposes only. Figures assume a steady return and simplified tax treatment and are not guaranteed. Debt-fund taxation reflects the post-April-2023 rules (gains taxed at slab on redemption); arbitrage and indexation rules differ. Mutual Fund investments are subject to market risks; read all scheme-related documents carefully. Nothing here is financial, investment, tax, or legal advice. Consult a SEBI-registered adviser or tax consultant before acting.



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See Also

Use OPM to Buy a House→Borrow, invest, SWP the EMI.Education Loan vs SWP→Fund fees from a corpus vs a loan.Loan Repayment vs MF SWP→Service a loan from an SWP.