Buy vs Invest Calculator
You can afford to pay for your home or car in full — but should you? Compare paying entirely in cash against a down payment plus loan, investing the rest instead of paying it upfront. Enter your numbers for a clear verdict.
How to Decide
This comes down to one question: is your expected investment return higher than your loan's interest rate? If yes, keeping your money invested and financing the purchase can leave you wealthier. If your loan rate is high (or you're unsure you can sustain the EMI reliably), paying in full removes the risk entirely.
Home loans also carry tax benefits (Section 24b interest deduction, 80C principal repayment) that this calculator doesn't account for — factor those in separately, along with your comfort with carrying debt and market risk.