The Sovereign Wealth Optimizer (Loan Prepayment vs Investment) - Free Online Calculator
By MoneyCal Editorial Team • Published 2025
The Sovereign Wealth Optimizer quantifies the
—the exact difference in your net worth depending on which path you choose.
Optimized for the New Tax Act 2025: In the New Regime, home loan interest deductions are limited, making the
higher, which often favors prepayment.
Frequently Asked Questions
Q: Should I prepay my home loan or invest in SIP in 2026?
If your investment return (minus tax) is higher than the loan interest rate, investing is mathematically superior. However, prepayment offers a guaranteed 100% ROI equal to the interest rate saved.