How it works

A month-by-month simulation of two strategies using the same cash budget. No black box — every assumption is visible.

Enter your lump sum

The one-time amount you have to allocate, plus your loan details and any extra you can spare each month.

Two strategies, same money

Strategy Invest lets the eNACH auto-debit handle the loan and puts the lump sum + extra in the market from day 1. Strategy Prepay knocks the lump sum off the loan and throws the full eNACH + extra at it, investing only after it's gone.

See who wins

The charts show corpus, net wealth, and loan balance over time. The winner is the strategy with higher net wealth at your horizon.

Assumptions

—Regular reducing-balance loan. Interest accrues only on the outstanding principal.
—Same total cash in both strategies: eNACH + extra manual prepayment per month, plus the same one-time lump sum.
—Your eNACH (auto-debit) can exceed the bank's EMI — the difference is a built-in prepayment that shrinks the loan automatically in both strategies.
—Strategy Invest: the lump sum and the extra are invested from day 1; the eNACH services the loan. Strategy Prepay: the lump sum reduces the loan on day 0 and the full eNACH + extra is thrown at the loan until it closes.
—After a loan closes, the full freed amount is invested in that strategy.
—Returns are compounded monthly at the XIRR you provide.
—Taxes, prepayment penalties, and home-loan tax benefits (24b/80C) are not modelled in this version.
—Currency is INR. Figures are in today's rupees — inflation is not modelled.