Extra EMI · Earlier freedom
EMI Fast-Forward
Add 1, 2, 5—or any number of extra EMIs each year—and see how much sooner the loan may end.
Move your loan finish line.
Keep the regular EMI unchanged. Then test the effect of disciplined additional payments.
For illustration, additional EMIs are spread through each year and the regular EMI remains unchanged. Actual lender allocation, daily interest, prepayment rules and charges may differ.
Important: This educational calculator is not a lender statement. Check emergency liquidity, tax considerations, loan terms and any prepayment charge before making an additional payment.
Seventeen planning tools
One clearer financial plan.
Choose what you want to understand next. Each calculator takes only a few moments.
When could work become optional?
Estimate a possible financial freedom date from your expenses, investments, SIP, inflation and withdrawal assumptions.
Will ₹1 crore still feel like ₹1 crore?
See the future purchasing power of a headline corpus—and what may actually be needed.
The Cost of Waiting
See what delaying your investment journey may cost—and the extra SIP that may be needed to catch up.
Is your portfolio paying tax without a plan?
Explore how eligible capital losses may offset gains—without letting tax take over the investment decision.
When the EMI ends, what begins?
Calculate the loan cost, then see what the same monthly discipline may become when redirected into a SIP.
EMI Fast-Forward
Add 1, 2, 5—or any number of extra EMIs each year. See the revised closure date, tenure saved and possible interest saving.
Buy—or rent and invest?
Compare estimated owner equity with investing the down payment and monthly difference.
Prepay the loan—or invest?
Compare relatively certain interest savings with an assumed market-linked investment outcome.
Goal SIP
Find the monthly investment needed for your target corpus.
Lumpsum
See how a one-time investment may grow over time.
Retirement
Estimate future expenses and the corpus required at retirement.
SWP
Explore regular withdrawals and the possible remaining balance.
Risk Profile
Understand your risk profile and indicative asset allocation.
Rental Yield
See gross and net property yield after vacancy and ownership costs.
Lumpsum + SIP
Project your current corpus and future SIP together, with step-up and inflation.
SIP → SWP Ready Reckoner
Connect the wealth-building years to an inflation-aware withdrawal plan.
Capital Gains Tax
Estimate gains and indicative tax for equity, property and other assets.