EMI vs Cash Calculator
Decision Tool100% Free & AuthoritativeDecide whether to pay for a big purchase upfront in cash or opt for EMI while keeping your liquid savings invested in mutual funds or fixed deposits.
Enter Values
Discount offered by seller for upfront full payment.
0% for No-Cost EMI, or 13%–16% for standard credit card EMI.
Return on liquid savings (e.g., 7% FD or 12% mutual funds).
Recommendation: Pay Cash Upfront (Save on loan interest). Paying full cash requires an immediate outflow of ₹95,000. Choosing EMI results in total payments of ₹1,00,000 (₹6,667/month), but allows your remaining liquid cash to generate an estimated ₹3,750 in investment returns over the tenure.
Total Outflow Comparison
Option Breakdown Comparison
Understanding Your Result
Recommendation: Pay Cash Upfront (Save on loan interest). Paying full cash requires an immediate outflow of ₹95,000. Choosing EMI results in total payments of ₹1,00,000 (₹6,667/month), but allows your remaining liquid cash to generate an estimated ₹3,750 in investment returns over the tenure.
Frequently Asked Questions
Related Useful Calculators
Can I Afford This? Calculator
Evaluate whether you can safely afford a big-ticket purchase (laptop, phone, car, holiday) without draining your emergency savings or over-leveraging with EMI debt.
EMI Calculator
Calculate your exact monthly Equated Monthly Instalment (EMI), total interest, and complete repayment breakdown for home, car, or personal loans.
SIP Calculator
Calculate expected future returns on your Systematic Investment Plan (SIP) in mutual funds or index funds over time.