Opportunity Cost Calculator

If you invested this money instead of paying down your loan, what would it be worth — and which choice actually leaves you wealthier?

Inputs

Lump sum amount

₹

Loan interest rate

Expected investment return

Time horizon

Result

Investing wins

₹10,00,000 grows to ₹1.09Cr

if invested at 12% for 20 years

Investment gain₹98.93L

Cost of carrying as debt₹44.41Lat 8.5% over 20 yr

Net advantage of investing+₹54.51L