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All calculators Borrow smart

Prepay vs invest

Spare money and a running loan: pay it off, or invest? See which leaves you wealthier, over the same time and outlay.

Outstanding loan
Lumpsum you have
Extra each month
Loan interest rate8.5%
Remaining tenure15 yrs
Expected return if invested (assumed)12%
The verdict
—
If you invest it
If you prepay
Prepaying clears the loan
Interest saved by prepaying

These calculators are for general education and illustration only, based on the assumptions you enter and, for some tools, typical cost and tax figures that will not fit every case. They are not investment, tax or financial advice, and the figures are estimates, not guaranteed outcomes. Mutual fund and market investments are subject to market risks; actual returns will vary. Please consult a qualified professional before making any financial decision.

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