DEEPAK WEALTH FRAMEWORK
Recover EMI Through SIP
See what monthly SIP, growing alongside your loan, matches everything you'll pay in EMI over the tenure — effectively recovering your EMI cost.
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Recover EMI Through SIP Report
Frequently Asked Questions
Common questions about recovering your EMI cost through a parallel SIP.
It means investing a separate monthly SIP alongside your loan EMI, sized so that by the time your loan tenure ends, your SIP’s maturity value equals (or exceeds) the total amount you paid in EMIs — effectively getting your outgo back through market-linked growth.
The calculator first works out your total EMI repayment over the loan tenure (EMI × number of months), then computes the monthly SIP needed to reach that same amount by the end of the tenure, based on your assumed annual rate of return.
15% a year is a realistic long-term equity mutual fund assumption. Higher assumptions inflate the numbers and understate the actual SIP commitment needed, so the calculator caps input at 15% to keep the projection grounded.
No. SIP returns are market-linked and not guaranteed. The figure shown is a projection based on the return rate you enter, not a promise of actual performance.
Yes — switch to “Enter EMI Details” mode and enter your known monthly EMI and remaining tenure directly; you don’t need the interest rate for that mode.
No, this tool assumes you continue paying your EMI as scheduled for the full tenure. For prepayment-and-payoff planning across multiple loans, use the separate EMI Recovery Planning Calculator on this site.
Yes — enter your name and click “Download PDF Report” to get a branded report of your numbers, and you can also send it to your email.
No. This is an illustrative planning tool only. Mutual fund investments are subject to market risk; please read all scheme-related documents carefully and consult before investing.