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Want something today but don't have the cash? You can take a loan and pay EMI, or invest that same EMI amount every month and buy it once you've saved enough. Enter the price and terms for a side-by-side comparison.
Buying on EMI gets you the item today, at the cost of loan interest. Waiting and investing costs you time — the item gets pricier with inflation while you save — but your SIP might grow faster than the price rises.
This is a scenario comparison. Enter a planning return assumption and price-inflation assumption to compare the modeled values. The result does not recommend buying now, waiting, borrowing, or investing.
This calculator ignores the value of having the item today versus later — factor that in yourself before deciding.