CalcTools

📊 LIVE

EMI vs SIP: Which is Better?

Compare Loan EMI (paying interest) vs SIP Investment (earning interest). See the power of compounding vs debt.

EMI Calculator

Calculates monthly loan payments. Use this when you borrow money.

  • ✅ Helps plan loan repayment
  • ✅ Shows total interest cost
  • ✅ Essential for home/car loans
Use EMI Calculator

SIP Calculator

Calculates investment growth. Use this when you save money.

  • ✅ Shows wealth creation
  • ✅ Demonstrates compounding
  • ✅ Essential for retirement planning
Use SIP Calculator

Detailed Comparison

Feature EMI Calculator SIP Calculator
Purpose Repaying Debt Building Wealth
Interest You Pay Interest You Earn Interest
Outcome Liability reduces to zero Asset grows exponentially

🏆 Verdict

If you have high-interest debt, use the EMI Calculator to plan repayment. If you want to grow wealth, use the SIP (Compound Interest) Calculator. The best strategy is to clear debt first, then invest via SIP.