Home Loan + Parallel SIP Calculator India

Home Loan + Parallel SIP

Own your home AND build wealth alongside. See how a parallel SIP recovers your interest cost, your principal, and then creates surplus wealth on top.

The Smartest Way to Think About a Home Loan in 2026

A home loan is not a mistake — it is leverage on a real asset with tax benefits and a forced saving discipline. The mistake is stopping your SIP to "save for EMI." Here is why: a ₹50L home loan at 8.5% over 20 years costs ₹60.7L in interest. A parallel ₹10,000/month SIP at 12% CAGR over the same 20 years grows to ₹98.9L. Your SIP not only covers all your interest — it recovers your entire principal and still leaves surplus wealth. This calculator shows you exactly that story.

Your Home Loan Details

Home Loan Amount (₹)

Annual Interest Rate (%)

8.5%

8.5% SBI 9% Private 9.5% NBFC

Loan Tenure

20 yrs

Section 24(b) Tax Benefit (Annual ₹ limit)

Interest paid on home loan is deductible under Section 24(b)

Your Parallel SIP

Your Tax Slab (for Sec 24(b) benefit)

Monthly SIP Amount (₹)

Suggested: even ₹5,000/month alongside EMI makes a massive difference

Expected SIP Return (%)

12%

Total Interest You Will Pay

₹—

Monthly EMI

—

Total Payment

—

Tax Saved (Est.)

—

Net Interest Cost

—

Your Parallel SIP Grows To

₹—

SIP Invested

—

SIP Returns

—

Covers Interest?

—

Net Wealth Created

—

SIP Recovery Story

💬 Discuss My Home Loan SIP Strategy

Year-wise: EMI vs SIP Corpus Growth

Disclaimer: Tax savings under Section 24(b) depend on your tax regime, total income, and property type. Consult your CA. SIP projections are illustrative. Actual returns vary. This is not investment advice. ARN-309076.

Discuss with Eswari ← All Calculators

Eswari Guduru (ARN-309076) · Guduru Anantha Eswari Rajeswari · AMFI Registered Mutual Fund Distributor · Authorised Person — Kotak Securities Ltd (INZ000200137) · NSE AP AP0291573301 · Boduppal, Hyderabad 500092 · +91 79959 72796 · eswariguduru.com
All projections are for illustration only. Returns not guaranteed. Constant assumed rates — actual MF returns fluctuate. Not investment advice. Not a SEBI Registered Investment Adviser. Read all scheme documents before investing. Tax calculations, where applicable, use FY2026-27 slabs — consult a CA for personal advice.