Dashboard
Your loan + SIP snapshot at current settings
Total Loan Outgo
₹—
EMI × N
MF Corpus
₹—
at tenure end
Sweet Spot
—
months to freedom
Net Gain
₹—
Corpus − Outgo
Coverage Ratio
SIP Corpus ÷ Total Loan Outgo
—%
covered
Monthly EMI
₹—
Monthly SIP
₹—
Tenure
—
Tax Saved / yr
₹—
Wealth Trajectory
3 paths: Loan+SIP vs No-Loan SIP vs Do Nothing
Sweet Spot Heatmap
Tenure (months) across EMI Capacity vs MF Return
Loading heatmap…
Monthly Flow
How your capacity is split each month
EMI —
SIP —
Freedom Timeline
Visual journey to loan freedom
Calculator
Adjust tenure until SIP corpus ≥ total loan outgo
Loan Parameters
₹
% p.a.
%
₹
%
%/yr
₹
Tenure Selector
Loan tenure = SIP tenure
24months · 2.0 yrs
Sweet
6m2yr5yr10yr15yr20yr30yr
Monthly Capacity = New EMI + SIP | Both run — months
₹50,000 = ₹— + ₹— Step-Up: 0%/yr
Goal: MF Corpus ≥ Total Loan Outgo → Loan is FREE 🎯
Loan
EMI
—
Tenure
—
Interest
—
Tax Shield/yr
—
Total Outgo
—
SIP
Monthly SIP
—
CAGR
—
Invested
—
Gains
—
MF Corpus
—
Head-to-Head
Loan Outgo vs SIP Corpus
💸 Loan Outgo—
📈 SIP Corpus—
Coverage
—
Net Gain
—
Sweet Spot
—
Calculating…
Analysis
Deep dive into your loan + SIP dynamics
Corpus vs Outgo Over Time
See exactly when they cross
Cumulative Interest vs MF Gains
Cost Breakdown
Where every rupee goes
Principal
—
Total Interest
—
MF Gains
—
Tax Saved (total)
—
Amortization + SIP Table
🎯 = sweet spot row
| Mo | EMI | Principal | Interest | Outstanding | SIP | Corpus | Coverage |
|---|
Compare
Compare up to 3 loan scenarios side-by-side
Add Comparison Scenario
₹
%
₹
%
%/yr
Tools
Advanced calculators & planners
Goal-Reverse Calculator
What do I need to be free in X months?
₹
%
months
%
Enter values above to calculate
About
LoanSIP — Your financial freedom tool
🎯
LoanSIP v2.0
Loan Freedom Calculator
LoanSIP finds the sweet spot tenure where your SIP corpus fully offsets total loan payments — making your loan effectively free. Includes step-up SIP, tax shield, scenario saving, reverse calculator, and more.
✓ Works Offline
✓ No Data Sent
✓ Free Forever
✓ Open Source
The Core Idea
1. Fixed monthly spend = EMI Capacity
2. Extend tenure → EMI drops → more for SIP
3. SIP grows via compounding over same tenure
4. Sweet Spot: Corpus ≥ Total EMI Paid
5. Step-Up SIP accelerates this significantly
FAQs
What is the sweet spot? ▼
The exact tenure where your SIP corpus ≥ total EMI payments. At this point your loan is mathematically free.
What is Step-Up SIP? ▼
SIP amount increases by a fixed % each year (e.g. 10%/yr as salary grows). This dramatically accelerates the sweet spot.
How is tax shield calculated? ▼
Home loan interest up to ₹2L/yr is deductible under Sec 24b, and principal up to ₹1.5L/yr under Sec 80C. Combined savings depend on your tax bracket.
Is this financial advice? ▼
No. This is a planning tool for illustration only. MF returns are not guaranteed. Consult a SEBI-registered financial advisor.
Can I save my scenarios? ▼
Yes! Tap the 📂 icon in the top bar. Scenarios are saved to your browser's localStorage — no data leaves your device.
LoanSIP · Not financial advice · All calculations on-device
Host on GitHub Pages — single HTML file, no server needed.
Host on GitHub Pages — single HTML file, no server needed.