Quick Summary: EMI vs SIP Multiplier

The EMI vs SIP Multiplier strategy involves starting a SIP equal to 10-20% of your loan EMI. Over a 20-year home loan, the wealth created by the SIP often exceeds the total interest paid on the loan, effectively making the loan 'interest-free' in FY 2026-27.

How to use the EMI vs SIP Multiplier

  1. Enter Loan EMI

    Input the monthly EMI amount you are paying for your home or car loan.

  2. Set SIP Percentage

    Choose what percentage of the EMI you can invest in a SIP (e.g., 10%).

  3. Input Loan & SIP Tenure

    Provide the number of years for both the loan and the investment.

  4. Review Net Wealth

    See how the SIP growth compares against the total loan interest paid.

Related Calculators

SIP Calculator
Pension Corpus Withdrawal Planner
PMVVY Calculator
SWP Calculator

Regulatory Disclaimer

Last verified May 2026

Nature:Calculator platform and is NOT a SEBI-registered Investment Adviser. All calculations are indicative.

Risk:"Investments in securities market are subject to market risks. Read all related documents carefully before investing."

Consult a SEBI-registered IA or CA for personalised advice.

9 out of 10 traders in F&O incurred net losses (SEBI 2023). Tax estimates based on IT Act 2025. Trezoriq is not liable for financial decisions based on results.