Financial Clarity Tool

Can a loan fund your next investment?

Simulate taking a loan, investing the proceeds, and using a Systematic Withdrawal Plan (SWP) to repay your EMI, all in real time.

Open Calculator → How It Works
EMI Simulation SWP Strategy Break-Even Analysis Corpus Projection Profit / Loss Forecast Interactive Charts EMI Simulation SWP Strategy Break-Even Analysis Corpus Projection Profit / Loss Forecast Interactive Charts
₹10Cr+ Scenarios Calculated
100% Free & Private
30yr Max Period Supported
Real-time Calculations
What You Get

Everything you need
to evaluate the strategy.

No spreadsheets, no guesswork — just instant, clear projections so you can make informed decisions.

EMI Calculator
Computes your exact monthly EMI using the standard amortisation formula. Adjust loan amount, rate, and tenure in real-time.
SWP Simulation
Models your mutual fund or investment growing monthly while EMI payments are withdrawn via SWP each month.
Break-Even Analysis
Instantly tells you the minimum investment return rate needed to at least break even against the loan cost.
Risk Warnings
Automatic alerts when your investment return is below the loan rate — protecting you from blind optimism.
Month-by-Month Table
Detailed breakdown of every month: starting corpus, interest earned, EMI deducted, and ending value.
Net Profit / Loss
Clear final verdict — how much extra wealth did you create (or lose) by investing borrowed money versus simply repaying?

Ready to model your investment strategy?

Launch Calculator →