Home Loan EMI Calculator & SIP Calculator | Free Financial Planning Tool - HNICALLS.COM Calculate All
Financial Calculation Results
Financial Growth Visualization
Dual Scale Chart - Clear View of All Data
All Data on Single Scale Calculation Summary Home Loan Summary
Total EMI Payments:
i
Total amount you will pay over the entire loan tenure including both principal and interest. This is your monthly EMI multiplied by total number of months.
₹ 0
Total Interest Paid:
i
Total interest amount you pay to the bank over the loan tenure. This is the extra cost of borrowing money. Lower interest rates save significant money.
₹ 0
Interest vs Principal Ratio:
i
Percentage of total interest compared to your loan amount. Higher ratios mean you pay more in interest. Shorter loan tenure reduces this ratio.
0%
Break-even Year:
i
The year when your principal payment becomes higher than interest payment in your EMI. After this point, you're paying more toward loan reduction than interest.
Year 0
SIP Investment Summary
Total Investment:
i
Total amount you will invest through SIP over the investment period. This is your monthly SIP amount multiplied by total number of months.
₹ 0
Final Maturity Value:
i
Total corpus value at the end of your SIP investment period. This includes your invested amount plus compound returns generated over time.
₹ 0
Total Returns Generated:
i
Pure profit earned from your SIP investments. This is the difference between final maturity value and your total invested amount.
₹ 0
Return Multiple:
i
How many times your invested amount has grown. For example, 3x means your money has tripled. Higher multiples indicate better investment performance.
0x
Financial Insights
SIP can offset loan interest:
i
Percentage of your loan interest that can be covered by SIP returns. Higher percentages mean your investments effectively reduce loan costs.
0%
Net wealth after loan tenure:
i
Your total wealth position after paying off the loan. This is your SIP maturity value minus total EMI payments. Positive values mean you're financially ahead.
₹ 0
Monthly surplus needed:
i
Total monthly outflow for both EMI and SIP combined. This is the minimum monthly surplus income you need to manage both loan and investment simultaneously.
₹ 0
Interest Savings:
i
Total interest amount saved by making prepayments. This reduces your overall loan cost significantly.
₹ 0
Tenure Reduction:
i
Number of years reduced from original loan tenure due to prepayments. Earlier loan closure means faster financial freedom.
0 years
Total Prepayment:
i
Total additional amount paid towards loan prepayment. This is your extra investment in loan reduction.
₹ 0
ROI on Prepayment:
i
Return on investment for your prepayment. This shows the effective returns you get by saving interest through prepayments.
0%
Loan SIP Calculator - by HNICALLS.COM Complete financial planning solution for home loans and systematic investments
SIP Calculator – Systematic Investment Plan Calculator What is a SIP Calculator?
A SIP (Systematic Investment Plan) calculator is a powerful financial tool that helps investors estimate the future value of their investments made through systematic monthly contributions. It uses compound interest calculations to project how small, regular investments can grow into substantial wealth over time. Our calculator considers factors like monthly investment amount, expected annual returns, investment tenure, and optional inflation adjustments to provide accurate projections.
How can a SIP return calculator help you? Investment Planning: Determine how much you need to invest monthly to reach your financial goalsGoal Setting: Calculate the investment period required to accumulate a target amountComparison Tool: Compare different investment scenarios and returnsInflation Protection: Understand real returns after adjusting for inflationWealth Visualization: See year-wise growth of your investments with detailed projectionsHow do SIP calculators work?
SIP calculators use the compound interest formula: FV = P × [((1 + r)^n - 1) / r] , where FV is future value, P is monthly investment, r is monthly rate of return, and n is total number of months. The calculator processes your inputs and generates year-wise projections showing how your investments grow. When inflation adjustment is enabled, it calculates real returns by adjusting the effective rate of return to account for inflation's impact on purchasing power.
How to use systematic investment plan calculator? Enter your monthly SIP investment amount (₹1,000 to ₹5,00,000) Set your investment period (1 to 50 years) Input expected annual returns (typically 8-15% for equity funds) Optionally enable inflation adjustment and set inflation rate Click "Calculate" to see detailed projections and growth analysis Advantages of using systematic investment plan calculator Free and Instant: Get immediate calculations without any costAccurate Projections: Uses proven mathematical formulas for precise resultsInflation Adjustment: Shows real purchasing power after inflationYear-wise Breakdown: Detailed annual projections for better planningMultiple Scenarios: Test different investment amounts and periodsMobile Responsive: Works seamlessly on all devices
Home Loan EMI Calculator The credit market in India
India's home loan market has evolved significantly, with competitive interest rates ranging from 6.5% to 12% annually. Banks and NBFCs offer various loan products with flexible tenure options up to 30 years. The Reserve Bank of India's monetary policies significantly influence lending rates, making it crucial for borrowers to time their loan applications strategically. With the government's housing-for-all initiative and tax benefits under Section 80C and 24(b), home loans have become increasingly attractive for middle-class families.
Factors Affecting Your Due Amount Principal Amount: The original loan amount directly impacts EMI and total interestInterest Rate: Even 0.5% difference can save lakhs over the loan tenureLoan Tenure: Longer tenure reduces EMI but increases total interest paidPrepayment: Early payments can significantly reduce interest burdenCredit Score: Higher scores often qualify for better interest ratesIncome Stability: Affects loan approval and interest rates offeredHow can an online EMI calculator help you? Budget Planning: Determine affordable EMI based on your incomeLoan Comparison: Compare different loan offers from various lendersInterest Analysis: Understand total interest payable over loan tenurePrepayment Planning: Analyze benefits of making prepaymentsAmortization Schedule: Year-wise breakdown of principal and interest componentsFinancial Planning: Plan other investments alongside loan commitmentsThe formula to determine loan EMI amount
EMI calculation uses the formula: EMI = [P × r × (1 + r)^n] / [(1 + r)^n - 1]
How to use online EMI calculator? Enter the home loan amount you wish to borrow (₹1 lakh to ₹10 crores) Set the loan tenure in years (typically 5 to 30 years) Input the annual interest rate offered by your lender Click "Calculate" to get instant EMI and amortization details Review the year-wise principal and interest breakdown Analyze the total interest payable and plan accordingly Advantages of using our loan calculator Instant Results: Get EMI calculations in real-time as you adjust inputsDetailed Amortization: Complete year-wise payment scheduleBreak-even Analysis: Identify when principal payments exceed interestCombined Planning: Integrate loan planning with SIP investmentsPrint-friendly: Generate professional reports for lender discussionsNo Registration: Use freely without sharing personal information
Frequently Asked Questions (FAQs) Q: Can I invest in SIP while paying home loan EMI?
Yes, it's highly recommended! Our combined calculator shows how SIP returns can offset loan interest costs. Starting a SIP alongside your loan helps build wealth while managing debt efficiently.
Q: What is the minimum SIP amount I should invest?
Most mutual funds allow SIP starting from ₹500 per month, but investing ₹5,000-10,000 monthly shows more meaningful wealth creation over long periods.
Q: Should I prepay my loan or increase SIP investment?
This depends on your loan interest rate versus expected SIP returns. If SIP returns exceed loan rates by 2-3%, prioritize SIP. Otherwise, consider loan prepayment for guaranteed savings.
Q: How accurate are these calculator projections?
EMI calculations are 100% accurate as they use standard banking formulas. SIP projections assume consistent returns, but actual mutual fund returns may vary based on market conditions.
Q: What is the benefit of inflation adjustment in SIP calculations?
Inflation adjustment shows the real purchasing power of your future wealth. For example, ₹1 crore after 20 years at 6% inflation equals ₹31 lakhs in today's purchasing power.
Q: Can I change my SIP amount during the investment period?
Yes, most mutual funds allow SIP amount modifications. You can increase (step-up SIP) or pause investments based on your financial situation.
`;// Open print window
const printWindow = window.open('', '_blank');
printWindow.document.write(printContent);
printWindow.document.close();
printWindow.focus();
printWindow.print();
}function resetCalculator() {
// Reset all input values to defaults
document.getElementById('loanAmount').value = 2500000;
document.getElementById('tenure').value = 20;
document.getElementById('interestRate').value = 8.5;
document.getElementById('sipAmount').value = 25000;
document.getElementById('sipPeriod').value = 30;
document.getElementById('sipReturns').value = 15;
document.getElementById('inflationRate').value = 6;
document.getElementById('adjustInflation').checked = false;// Update slider displays
updateSliderDisplays();// Hide results, chart and summary
document.getElementById('resultsContainer').style.display = 'none';
document.getElementById('chartContainer').style.display = 'none';
document.getElementById('summaryContainer').style.display = 'none';// Clear any error messages
hideError();// Scroll to top
window.scrollTo({ top: 0, behavior: 'smooth' });
}function downloadExcel() {
// Get all the table data
const table = document.getElementById('combinedTable');
if (!table) {
alert('No data available to export');
return;
}// Create clean data for Excel
let csvContent = '';
// Add headers without special characters
csvContent += 'Year,Opening Balance,EMI Annual,Interest Paid,Principal Paid,Closing Balance,SIP Duration,Monthly SIP,Future Value,Returns Generated\n';
// Get table rows
const rows = table.querySelectorAll('tbody tr');
rows.forEach(row => {
const cells = row.querySelectorAll('td');
let rowData = [];
cells.forEach(cell => {
let cellText = cell.textContent.trim();
// Remove currency symbols, commas, and special characters
cellText = cellText.replace(/₹/g, '');
cellText = cellText.replace(/,/g, '');
cellText = cellText.replace(/\s+/g, ' ');
cellText = cellText.replace(/-/g, '0');
// Handle empty cells
if (cellText === '' || cellText === ' ') {
cellText = '0';
}
rowData.push(cellText);
});
csvContent += rowData.join(',') + '\n';
});
// Get calculation parameters for summary sheet
const loanAmount = document.getElementById('loanAmount').value;
const tenure = document.getElementById('tenure').value;
const interestRate = document.getElementById('interestRate').value;
const sipAmount = document.getElementById('sipAmount').value;
const sipPeriod = document.getElementById('sipPeriod').value;
const sipReturns = document.getElementById('sipReturns').value;
const emiAmount = document.getElementById('emiAmount').textContent.replace(/₹/g, '').replace(/,/g, '').trim();
const totalInvestment = document.getElementById('totalInvestment').textContent.replace(/₹/g, '').replace(/,/g, '').trim();
// Add summary data
csvContent += '\n\nCalculation Parameters\n';
csvContent += 'Parameter,Value\n';
csvContent += `Loan Amount,${loanAmount}\n`;
csvContent += `Tenure Years,${tenure}\n`;
csvContent += `Interest Rate,${interestRate}\n`;
csvContent += `Monthly EMI,${emiAmount}\n`;
csvContent += `Monthly SIP,${sipAmount}\n`;
csvContent += `SIP Period Years,${sipPeriod}\n`;
csvContent += `Expected Returns,${sipReturns}\n`;
csvContent += `Total Investment,${totalInvestment}\n`;
// Add summary calculations
csvContent += '\n\nSummary Results\n';
csvContent += 'Metric,Value\n';
csvContent += `Total EMI Payments,${document.getElementById('totalEmiPayments').textContent.replace(/₹/g, '').replace(/,/g, '').replace(/K|L|Cr/g, '').trim()}\n`;
csvContent += `Total Interest Paid,${document.getElementById('totalInterestPaid').textContent.replace(/₹/g, '').replace(/,/g, '').replace(/K|L|Cr/g, '').trim()}\n`;
csvContent += `Interest Ratio,${document.getElementById('interestRatio').textContent}\n`;
csvContent += `Break Even Year,${document.getElementById('breakEvenYear').textContent}\n`;
csvContent += `Final Maturity Value,${document.getElementById('finalMaturityValue').textContent.replace(/₹/g, '').replace(/,/g, '').replace(/K|L|Cr/g, '').trim()}\n`;
csvContent += `Total Returns Generated,${document.getElementById('totalReturnsGenerated').textContent.replace(/₹/g, '').replace(/,/g, '').replace(/K|L|Cr/g, '').trim()}\n`;
csvContent += `Return Multiple,${document.getElementById('returnMultiple').textContent}\n`;
csvContent += `SIP Offset Percentage,${document.getElementById('offsetPercentage').textContent}\n`;
csvContent += `Net Wealth,${document.getElementById('netWealth').textContent.replace(/₹/g, '').replace(/,/g, '').replace(/K|L|Cr/g, '').trim()}\n`;
csvContent += `Monthly Surplus Required,${document.getElementById('monthlySurplus').textContent.replace(/₹/g, '').replace(/,/g, '').replace(/K|L|Cr/g, '').trim()}\n`;
// Create and download file
const blob = new Blob([csvContent], { type: 'text/csv;charset=utf-8;' });
const link = document.createElement('a');
const url = URL.createObjectURL(blob);
link.setAttribute('href', url);
link.setAttribute('download', 'financial_calculator_results.csv');
link.style.visibility = 'hidden';
document.body.appendChild(link);
link.click();
document.body.removeChild(link);
}let financialChartDual = null;
let financialChartSingle = null;function generateChart(loanSchedule, sipData) {
// Generate both charts
generateDualAxisChart(loanSchedule, sipData);
generateAllDataSingleScaleChart(loanSchedule, sipData);
}function generateDualAxisChart(loanSchedule, sipData) {
const ctx = document.getElementById('financialChartDual').getContext('2d');
// Destroy existing chart if it exists
if (financialChartDual) {
financialChartDual.destroy();
}
// Prepare data for chart
const years = [];
const loanBalance = [];
const sipValue = [];
const cumulativeInterest = [];
const cumulativeSipInvestment = [];
let runningInterest = 0;
let runningSipInvestment = 0;
let breakEvenPoint = null;
const loanAmount = parseFloat(document.getElementById('loanAmount').value);
// Get data for chart (limit to reasonable display range)
const maxYears = Math.max(loanSchedule.length, sipData.length);
const displayYears = Math.min(maxYears, 30); // Limit to 30 years for readability
for (let i = 0; i < displayYears; i++) {
years.push(`Year ${i + 1}`);
// Loan data
if (i < loanSchedule.length) {
loanBalance.push(Math.round(loanSchedule[i].closingBalance / 100000)); // Convert to lakhs
runningInterest += loanSchedule[i].interestPaid;
cumulativeInterest.push(Math.round(runningInterest / 100000)); // Convert to lakhs
} else {
loanBalance.push(0);
cumulativeInterest.push(Math.round(runningInterest / 100000));
}
// Calculate total loan paid (principal + interest so far)
const totalPaid = Math.round((loanAmount + runningInterest) / 100000);
// SIP data
if (i < sipData.length) {
const sipValueLakhs = Math.round(sipData[i].futureValue / 100000);
sipValue.push(sipValueLakhs);
runningSipInvestment += (sipData[i].sipAmount * 12);
cumulativeSipInvestment.push(Math.round(runningSipInvestment / 100000));
// Check for breakeven point (SIP value > total loan cost)
if (!breakEvenPoint && sipValueLakhs > totalPaid) {
breakEvenPoint = {
year: i + 1,
yearLabel: `Year ${i + 1}`,
sipValue: sipValueLakhs,
totalLoanPaid: totalPaid
};
}
} else {
// For years beyond SIP period, maintain the final value
const lastSipValue = sipData.length > 0 ? sipData[sipData.length - 1].futureValue : 0;
sipValue.push(Math.round(lastSipValue / 100000));
cumulativeSipInvestment.push(Math.round(runningSipInvestment / 100000));
}
}
financialChartDual = new Chart(ctx, {
type: 'line',
data: {
labels: years,
datasets: [
{
label: 'Loan Outstanding Balance (₹ Lakhs)',
data: loanBalance,
borderColor: '#3B82F6',
backgroundColor: 'rgba(59, 130, 246, 0.1)',
borderWidth: 3,
fill: true,
tension: 0.4,
pointBackgroundColor: '#3B82F6',
pointBorderColor: '#ffffff',
pointBorderWidth: 2,
pointRadius: 5,
yAxisID: 'y'
},
{
label: 'Cumulative Interest Paid (₹ Lakhs)',
data: cumulativeInterest,
borderColor: '#EF4444',
backgroundColor: 'rgba(239, 68, 68, 0.05)',
borderWidth: 2,
fill: false,
tension: 0.4,
borderDash: [5, 5],
pointBackgroundColor: '#EF4444',
pointBorderColor: '#ffffff',
pointBorderWidth: 2,
pointRadius: 4,
yAxisID: 'y'
},
{
label: 'Total SIP Investment (₹ Lakhs)',
data: cumulativeSipInvestment,
borderColor: '#10B981',
backgroundColor: 'rgba(16, 185, 129, 0.05)',
borderWidth: 2,
fill: false,
tension: 0.4,
borderDash: [3, 3],
pointBackgroundColor: '#10B981',
pointBorderColor: '#ffffff',
pointBorderWidth: 2,
pointRadius: 4,
yAxisID: 'y'
},
{
label: 'SIP Portfolio Value (₹ Lakhs)',
data: sipValue,
borderColor: '#8B5CF6',
backgroundColor: 'rgba(139, 92, 246, 0.1)',
borderWidth: 3,
fill: true,
tension: 0.4,
pointBackgroundColor: '#8B5CF6',
pointBorderColor: '#ffffff',
pointBorderWidth: 2,
pointRadius: 6,
yAxisID: 'y1'
}
].concat(breakEvenPoint ? [{
label: `Target Breakeven (${breakEvenPoint.yearLabel})`,
data: years.map((year, index) =>
index === breakEvenPoint.year - 1 ? breakEvenPoint.sipValue : null
),
borderColor: '#FF6B6B',
backgroundColor: '#FF6B6B',
borderWidth: 4,
pointRadius: 12,
pointHoverRadius: 15,
pointBackgroundColor: '#FF6B6B',
pointBorderColor: '#ffffff',
pointBorderWidth: 3,
showLine: false,
yAxisID: 'y1'
}] : [])
},
options: {
responsive: true,
maintainAspectRatio: false,
plugins: {
title: {
display: true,
text: 'Loan vs SIP Growth Comparison',
font: {
size: 18,
weight: 'bold'
},
color: '#2c3e50',
padding: 20
},
legend: {
display: true,
position: 'top',
labels: {
font: {
size: 12,
weight: '500'
},
color: '#495057',
padding: 15,
usePointStyle: true
}
},
tooltip: {
mode: 'index',
intersect: false,
backgroundColor: 'rgba(255, 255, 255, 0.95)',
titleColor: '#2c3e50',
bodyColor: '#495057',
borderColor: '#e9ecef',
borderWidth: 1,
cornerRadius: 8,
displayColors: true,
callbacks: {
label: function(context) {
return context.dataset.label + ': ₹' + context.parsed.y.toLocaleString('en-IN') + ' Lakhs';
}
}
}
},
scales: {
x: {
title: {
display: true,
text: 'Time Period',
font: {
size: 14,
weight: 'bold'
},
color: '#495057'
},
grid: {
color: 'rgba(0, 0, 0, 0.05)'
},
ticks: {
color: '#6c757d',
font: {
size: 11
}
}
},
y: {
type: 'linear',
display: true,
position: 'left',
title: {
display: true,
text: 'Loan Outstanding (₹ Lakhs)',
font: {
size: 14,
weight: 'bold'
},
color: '#3B82F6'
},
grid: {
color: 'rgba(0, 0, 0, 0.05)'
},
ticks: {
color: '#3B82F6',
font: {
size: 11
},
callback: function(value) {
return '₹' + value.toLocaleString('en-IN');
}
},
beginAtZero: true
},
y1: {
type: 'linear',
display: true,
position: 'right',
title: {
display: true,
text: 'SIP Portfolio Value (₹ Lakhs)',
font: {
size: 14,
weight: 'bold'
},
color: '#8B5CF6'
},
grid: {
color: 'rgba(0, 0, 0, 0.05)'
},
ticks: {
color: '#8B5CF6',
font: {
size: 11
},
callback: function(value) {
return '₹' + value.toLocaleString('en-IN');
}
},
beginAtZero: true
}
},
interaction: {
mode: 'nearest',
axis: 'x',
intersect: false
},
elements: {
point: {
hoverRadius: 8
}
}
}
});
}function generateSingleAxisChart(loanSchedule, sipData) {
const ctx = document.getElementById('financialChart').getContext('2d');
// Destroy existing chart if it exists
if (financialChart) {
financialChart.destroy();
}
// Prepare data for chart
const years = [];
const loanBalance = [];
const sipValue = [];
const cumulativeInterest = [];
const cumulativeSipInvestment = [];
let runningInterest = 0;
let runningSipInvestment = 0;
let breakEvenPoint = null;
let totalLoanPaid = [];
const loanAmount = parseFloat(document.getElementById('loanAmount').value);
// Get data for chart (limit to reasonable display range)
const maxYears = Math.max(loanSchedule.length, sipData.length);
const displayYears = Math.min(maxYears, 30); // Limit to 30 years for readability
for (let i = 0; i < displayYears; i++) {
years.push(`Year ${i + 1}`);
// Loan data
if (i < loanSchedule.length) {
loanBalance.push(Math.round(loanSchedule[i].closingBalance / 100000)); // Convert to lakhs
runningInterest += loanSchedule[i].interestPaid;
cumulativeInterest.push(Math.round(runningInterest / 100000)); // Convert to lakhs
} else {
loanBalance.push(0);
cumulativeInterest.push(Math.round(runningInterest / 100000));
}
// SIP data
if (i < sipData.length) {
sipValue.push(Math.round(sipData[i].futureValue / 100000)); // Convert to lakhs
runningSipInvestment += (sipData[i].sipAmount * 12);
cumulativeSipInvestment.push(Math.round(runningSipInvestment / 100000)); // Convert to lakhs
} else {
// For years beyond SIP period, maintain the final value
const lastSipValue = sipData.length > 0 ? sipData[sipData.length - 1].futureValue : 0;
sipValue.push(Math.round(lastSipValue / 100000));
cumulativeSipInvestment.push(Math.round(runningSipInvestment / 100000));
}
}
// Find breakeven point after data processing
for (let i = 0; i < sipValue.length; i++) {
const totalPaid = Math.round((loanAmount + (i < cumulativeInterest.length ? cumulativeInterest[i] * 100000 : cumulativeInterest[cumulativeInterest.length - 1] * 100000)) / 100000);
if (!breakEvenPoint && sipValue[i] > totalPaid) {
breakEvenPoint = {
year: i + 1,
yearLabel: `Year ${i + 1}`,
sipValue: sipValue[i],
totalLoanPaid: totalPaid
};
break;
}
}
financialChart = new Chart(ctx, {
type: 'line',
data: {
labels: years,
datasets: [
{
label: 'Loan Outstanding Balance (₹ Lakhs)',
data: loanBalance,
borderColor: '#3B82F6',
backgroundColor: 'rgba(59, 130, 246, 0.1)',
borderWidth: 3,
fill: true,
tension: 0.4,
pointBackgroundColor: '#3B82F6',
pointBorderColor: '#ffffff',
pointBorderWidth: 2,
pointRadius: 5,
yAxisID: 'y'
},
{
label: 'Cumulative Interest Paid (₹ Lakhs)',
data: cumulativeInterest,
borderColor: '#EF4444',
backgroundColor: 'rgba(239, 68, 68, 0.05)',
borderWidth: 3,
fill: false,
tension: 0.4,
borderDash: [5, 5],
pointBackgroundColor: '#EF4444',
pointBorderColor: '#ffffff',
pointBorderWidth: 2,
pointRadius: 4,
yAxisID: 'y'
},
{
label: 'Total SIP Investment (₹ Lakhs)',
data: cumulativeSipInvestment,
borderColor: '#10B981',
backgroundColor: 'rgba(16, 185, 129, 0.05)',
borderWidth: 3,
fill: false,
tension: 0.4,
borderDash: [3, 3],
pointBackgroundColor: '#10B981',
pointBorderColor: '#ffffff',
pointBorderWidth: 2,
pointRadius: 4,
yAxisID: 'y'
},
{
label: 'SIP Portfolio Value (₹ Lakhs)',
data: sipValue,
borderColor: '#8B5CF6',
backgroundColor: 'rgba(139, 92, 246, 0.1)',
borderWidth: 4,
fill: true,
tension: 0.4,
pointBackgroundColor: '#8B5CF6',
pointBorderColor: '#ffffff',
pointBorderWidth: 2,
pointRadius: 6,
yAxisID: 'y1'
}
].concat(breakEvenPoint ? [{
label: `Target Breakeven (${breakEvenPoint.yearLabel})`,
data: years.map((year, index) =>
index === breakEvenPoint.year - 1 ? breakEvenPoint.sipValue : null
),
borderColor: '#FF6B6B',
backgroundColor: '#FF6B6B',
borderWidth: 4,
pointRadius: 12,
pointHoverRadius: 15,
pointBackgroundColor: '#FF6B6B',
pointBorderColor: '#ffffff',
pointBorderWidth: 3,
showLine: false,
yAxisID: 'y1'
}] : [])
},
options: {
responsive: true,
maintainAspectRatio: false,
plugins: {
title: {
display: true,
text: 'Loan vs SIP Growth Comparison',
font: {
size: 18,
weight: 'bold'
},
color: '#2c3e50',
padding: 20
},
legend: {
display: true,
position: 'top',
labels: {
font: {
size: 12,
weight: '500'
},
color: '#495057',
padding: 15,
usePointStyle: true
}
},
tooltip: {
mode: 'index',
intersect: false,
backgroundColor: 'rgba(255, 255, 255, 0.95)',
titleColor: '#2c3e50',
bodyColor: '#495057',
borderColor: '#e9ecef',
borderWidth: 1,
cornerRadius: 8,
displayColors: true,
callbacks: {
label: function(context) {
return context.dataset.label + ': ₹' + context.parsed.y.toLocaleString('en-IN') + ' Lakhs';
}
}
}
},
scales: {
x: {
title: {
display: true,
text: 'Time Period',
font: {
size: 14,
weight: 'bold'
},
color: '#495057'
},
grid: {
color: 'rgba(0, 0, 0, 0.05)'
},
ticks: {
color: '#6c757d',
font: {
size: 11
}
}
},
y: {
type: 'linear',
display: true,
position: 'left',
title: {
display: true,
text: 'Loan & Interest (₹ Lakhs)',
font: {
size: 14,
weight: 'bold'
},
color: '#3B82F6'
},
grid: {
drawOnChartArea: false,
},
ticks: {
color: '#3B82F6',
font: {
size: 11
},
callback: function(value) {
return '₹' + value.toLocaleString('en-IN');
}
},
beginAtZero: true
},
y1: {
type: 'linear',
display: true,
position: 'right',
title: {
display: true,
text: 'SIP Portfolio (₹ Lakhs)',
font: {
size: 14,
weight: 'bold'
},
color: '#8B5CF6'
},
grid: {
color: 'rgba(0, 0, 0, 0.05)'
},
ticks: {
color: '#8B5CF6',
font: {
size: 11
},
callback: function(value) {
return '₹' + value.toLocaleString('en-IN');
}
},
beginAtZero: true
}
},
interaction: {
mode: 'nearest',
axis: 'x',
intersect: false
},
elements: {
point: {
hoverRadius: 8
}
}
}
});
}function generateSingleAxisChart(loanSchedule, sipData) {
const ctx = document.getElementById('financialChart').getContext('2d');
// Destroy existing chart if it exists
if (financialChart) {
financialChart.destroy();
}
// Prepare data for chart
const years = [];
const loanBalance = [];
const sipValue = [];
const cumulativeInterest = [];
const cumulativeSipInvestment = [];
let runningInterest = 0;
let runningSipInvestment = 0;
let breakEvenPoint = null;
const loanAmount = parseFloat(document.getElementById('loanAmount').value);
// Get data for chart (limit to reasonable display range)
const maxYears = Math.max(loanSchedule.length, sipData.length);
const displayYears = Math.min(maxYears, 30); // Limit to 30 years for readability
for (let i = 0; i < displayYears; i++) {
years.push(`Year ${i + 1}`);
// Loan data
if (i < loanSchedule.length) {
loanBalance.push(Math.round(loanSchedule[i].closingBalance / 100000)); // Convert to lakhs
runningInterest += loanSchedule[i].interestPaid;
cumulativeInterest.push(Math.round(runningInterest / 100000)); // Convert to lakhs
} else {
loanBalance.push(0);
cumulativeInterest.push(Math.round(runningInterest / 100000));
}
// SIP data
if (i < sipData.length) {
sipValue.push(Math.round(sipData[i].futureValue / 100000)); // Convert to lakhs
runningSipInvestment += (sipData[i].sipAmount * 12);
cumulativeSipInvestment.push(Math.round(runningSipInvestment / 100000)); // Convert to lakhs
} else {
// For years beyond SIP period, maintain the final value
const lastSipValue = sipData.length > 0 ? sipData[sipData.length - 1].futureValue : 0;
sipValue.push(Math.round(lastSipValue / 100000));
cumulativeSipInvestment.push(Math.round(runningSipInvestment / 100000));
}
}
// Find breakeven point after data processing
for (let i = 0; i < sipValue.length; i++) {
const totalPaid = Math.round((loanAmount + (i < cumulativeInterest.length ? cumulativeInterest[i] * 100000 : cumulativeInterest[cumulativeInterest.length - 1] * 100000)) / 100000);
if (!breakEvenPoint && sipValue[i] > totalPaid) {
breakEvenPoint = {
year: i + 1,
yearLabel: `Year ${i + 1}`,
sipValue: sipValue[i],
totalLoanPaid: totalPaid
};
break;
}
}
financialChart = new Chart(ctx, {
type: 'line',
data: {
labels: years,
datasets: [
{
label: 'Loan Outstanding Balance (₹ Lakhs)',
data: loanBalance,
borderColor: '#3B82F6',
backgroundColor: 'rgba(59, 130, 246, 0.1)',
borderWidth: 3,
fill: true,
tension: 0.4,
pointBackgroundColor: '#3B82F6',
pointBorderColor: '#ffffff',
pointBorderWidth: 2,
pointRadius: 5
},
{
label: 'SIP Portfolio Value (₹ Lakhs)',
data: sipValue,
borderColor: '#8B5CF6',
backgroundColor: 'rgba(139, 92, 246, 0.1)',
borderWidth: 3,
fill: true,
tension: 0.4,
pointBackgroundColor: '#8B5CF6',
pointBorderColor: '#ffffff',
pointBorderWidth: 2,
pointRadius: 5
},
{
label: 'Cumulative Interest Paid (₹ Lakhs)',
data: cumulativeInterest,
borderColor: '#EF4444',
backgroundColor: 'rgba(239, 68, 68, 0.05)',
borderWidth: 2,
fill: false,
tension: 0.4,
borderDash: [5, 5],
pointBackgroundColor: '#EF4444',
pointBorderColor: '#ffffff',
pointBorderWidth: 2,
pointRadius: 4
},
{
label: 'Total SIP Investment (₹ Lakhs)',
data: cumulativeSipInvestment,
borderColor: '#10B981',
backgroundColor: 'rgba(16, 185, 129, 0.05)',
borderWidth: 2,
fill: false,
tension: 0.4,
borderDash: [3, 3],
pointBackgroundColor: '#10B981',
pointBorderColor: '#ffffff',
pointBorderWidth: 2,
pointRadius: 4
}
].concat(breakEvenPoint ? [{
label: `Target Breakeven (${breakEvenPoint.yearLabel})`,
data: years.map((year, index) =>
index === breakEvenPoint.year - 1 ? breakEvenPoint.sipValue : null
),
borderColor: '#FF6B6B',
backgroundColor: '#FF6B6B',
borderWidth: 4,
pointRadius: 12,
pointHoverRadius: 15,
pointBackgroundColor: '#FF6B6B',
pointBorderColor: '#ffffff',
pointBorderWidth: 3,
showLine: false
}] : [])
},
options: {
responsive: true,
maintainAspectRatio: false,
plugins: {
title: {
display: true,
text: 'Single Scale Chart - Overall Comparison\n\nLoan vs SIP Growth Comparison',
font: {
size: 16,
weight: 'bold'
},
color: '#2c3e50',
padding: 15
},
legend: {
display: true,
position: 'top',
labels: {
font: {
size: 12,
weight: '500'
},
color: '#495057',
padding: 15,
usePointStyle: true
}
},
tooltip: {
mode: 'index',
intersect: false,
backgroundColor: 'rgba(255, 255, 255, 0.95)',
titleColor: '#2c3e50',
bodyColor: '#495057',
borderColor: '#e9ecef',
borderWidth: 1,
cornerRadius: 8,
displayColors: true,
callbacks: {
label: function(context) {
return context.dataset.label + ': ₹' + context.parsed.y.toLocaleString('en-IN') + ' Lakhs';
}
}
}
},
scales: {
x: {
title: {
display: true,
text: 'Time Period',
font: {
size: 14,
weight: 'bold'
},
color: '#495057'
},
grid: {
color: 'rgba(0, 0, 0, 0.05)'
},
ticks: {
color: '#6c757d',
font: {
size: 11
}
}
},
y: {
title: {
display: true,
text: 'Amount (₹ Lakhs)',
font: {
size: 14,
weight: 'bold'
},
color: '#495057'
},
grid: {
color: 'rgba(0, 0, 0, 0.05)'
},
ticks: {
color: '#6c757d',
font: {
size: 11
},
callback: function(value) {
return '₹' + value.toLocaleString('en-IN');
}
},
beginAtZero: true
}
},
interaction: {
mode: 'nearest',
axis: 'x',
intersect: false
},
elements: {
point: {
hoverRadius: 8
}
}
}
});
}function generateAllDataSingleScaleChart(loanSchedule, sipData) {
const ctx = document.getElementById('financialChartSingle').getContext('2d');
// Destroy existing chart if it exists
if (financialChartSingle) {
financialChartSingle.destroy();
}
// Prepare data for chart
const years = [];
const loanBalance = [];
const sipValue = [];
const cumulativeInterest = [];
const cumulativeSipInvestment = [];
let runningInterest = 0;
let runningSipInvestment = 0;
let breakEvenPoint = null;
const loanAmount = parseFloat(document.getElementById('loanAmount').value);
// Get data for chart (limit to reasonable display range)
const maxYears = Math.max(loanSchedule.length, sipData.length);
const displayYears = Math.min(maxYears, 30); // Limit to 30 years for readability
for (let i = 0; i < displayYears; i++) {
years.push(`Year ${i + 1}`);
// Loan data
if (i < loanSchedule.length) {
loanBalance.push(Math.round(loanSchedule[i].closingBalance / 100000)); // Convert to lakhs
runningInterest += loanSchedule[i].interestPaid;
cumulativeInterest.push(Math.round(runningInterest / 100000)); // Convert to lakhs
} else {
loanBalance.push(0);
cumulativeInterest.push(Math.round(runningInterest / 100000));
}
// Calculate total loan paid (principal + interest so far)
const totalPaid = Math.round((loanAmount + runningInterest) / 100000);
// SIP data
if (i < sipData.length) {
const sipValueLakhs = Math.round(sipData[i].futureValue / 100000);
sipValue.push(sipValueLakhs);
runningSipInvestment += (sipData[i].sipAmount * 12);
cumulativeSipInvestment.push(Math.round(runningSipInvestment / 100000));
// Check for breakeven point (SIP value > total loan cost)
if (!breakEvenPoint && sipValueLakhs > totalPaid) {
breakEvenPoint = {
year: i + 1,
yearLabel: `Year ${i + 1}`,
sipValue: sipValueLakhs,
totalLoanPaid: totalPaid
};
}
} else {
// For years beyond SIP period, maintain the final value
const lastSipValue = sipData.length > 0 ? sipData[sipData.length - 1].futureValue : 0;
sipValue.push(Math.round(lastSipValue / 100000));
cumulativeSipInvestment.push(Math.round(runningSipInvestment / 100000));
}
}
financialChartSingle = new Chart(ctx, {
type: 'line',
data: {
labels: years,
datasets: [
{
label: 'Loan Outstanding Balance (₹ Lakhs)',
data: loanBalance,
borderColor: '#3B82F6',
backgroundColor: 'rgba(59, 130, 246, 0.1)',
borderWidth: 3,
fill: true,
tension: 0.4,
pointBackgroundColor: '#3B82F6',
pointBorderColor: '#ffffff',
pointBorderWidth: 2,
pointRadius: 5
},
{
label: 'SIP Portfolio Value (₹ Lakhs)',
data: sipValue,
borderColor: '#8B5CF6',
backgroundColor: 'rgba(139, 92, 246, 0.1)',
borderWidth: 3,
fill: true,
tension: 0.4,
pointBackgroundColor: '#8B5CF6',
pointBorderColor: '#ffffff',
pointBorderWidth: 2,
pointRadius: 5
},
{
label: 'Cumulative Interest Paid (₹ Lakhs)',
data: cumulativeInterest,
borderColor: '#EF4444',
backgroundColor: 'rgba(239, 68, 68, 0.05)',
borderWidth: 2,
fill: false,
tension: 0.4,
borderDash: [5, 5],
pointBackgroundColor: '#EF4444',
pointBorderColor: '#ffffff',
pointBorderWidth: 2,
pointRadius: 4
},
{
label: 'Total SIP Investment (₹ Lakhs)',
data: cumulativeSipInvestment,
borderColor: '#10B981',
backgroundColor: 'rgba(16, 185, 129, 0.05)',
borderWidth: 2,
fill: false,
tension: 0.4,
borderDash: [3, 3],
pointBackgroundColor: '#10B981',
pointBorderColor: '#ffffff',
pointBorderWidth: 2,
pointRadius: 4
}
].concat(breakEvenPoint ? [{
label: `Target Breakeven (${breakEvenPoint.yearLabel})`,
data: years.map((year, index) =>
index === breakEvenPoint.year - 1 ? breakEvenPoint.sipValue : null
),
borderColor: '#FF6B6B',
backgroundColor: '#FF6B6B',
borderWidth: 4,
pointRadius: 12,
pointHoverRadius: 15,
pointBackgroundColor: '#FF6B6B',
pointBorderColor: '#ffffff',
pointBorderWidth: 3,
showLine: false
}] : [])
},
options: {
responsive: true,
maintainAspectRatio: false,
plugins: {
title: {
display: true,
text: 'All Data on Single Scale',
font: {
size: 16,
weight: 'bold'
},
color: '#2c3e50',
padding: 15
},
legend: {
display: true,
position: 'top',
labels: {
font: {
size: 12,
weight: '500'
},
color: '#495057',
padding: 15,
usePointStyle: true
}
},
tooltip: {
mode: 'index',
intersect: false,
backgroundColor: 'rgba(255, 255, 255, 0.95)',
titleColor: '#2c3e50',
bodyColor: '#495057',
borderColor: '#e9ecef',
borderWidth: 1,
cornerRadius: 8,
displayColors: true,
callbacks: {
label: function(context) {
return context.dataset.label + ': ₹' + context.parsed.y.toLocaleString('en-IN') + ' Lakhs';
}
}
}
},
scales: {
x: {
title: {
display: true,
text: 'Time Period',
font: {
size: 14,
weight: 'bold'
},
color: '#495057'
},
grid: {
color: 'rgba(0, 0, 0, 0.05)'
},
ticks: {
color: '#6c757d',
font: {
size: 11
}
}
},
y: {
title: {
display: true,
text: 'Amount (₹ Lakhs)',
font: {
size: 14,
weight: 'bold'
},
color: '#495057'
},
grid: {
color: 'rgba(0, 0, 0, 0.05)'
},
ticks: {
color: '#6c757d',
font: {
size: 11
},
callback: function(value) {
return '₹' + value.toLocaleString('en-IN');
}
},
beginAtZero: true
}
},
interaction: {
mode: 'nearest',
axis: 'x',
intersect: false
},
elements: {
point: {
hoverRadius: 8
}
}
}
});
}function downloadHTMLReport() {
// Get current date and time
const now = new Date();
const dateTime = now.toLocaleString('en-IN', {
year: 'numeric',
month: 'long',
day: 'numeric',
hour: '2-digit',
minute: '2-digit'
});// Get calculation parameters
const loanAmount = document.getElementById('loanAmount').value;
const tenure = document.getElementById('tenure').value;
const interestRate = document.getElementById('interestRate').value;
const sipAmount = document.getElementById('sipAmount').value;
const sipPeriod = document.getElementById('sipPeriod').value;
const sipReturns = document.getElementById('sipReturns').value;
const inflationRate = document.getElementById('inflationRate').value;
const adjustInflation = document.getElementById('adjustInflation').checked;// Calculate values
const emi = calculateEMI(loanAmount, interestRate, tenure);
const totalInvestment = formatIndianCurrency(sipAmount * sipPeriod * 12);
const emiAmount = '₹ ' + formatIndianCurrency(emi);// Get summary values (clean numbers without special characters)
const getCleanValue = (elementId) => {
return document.getElementById(elementId).textContent
.replace(/₹/g, '').replace(/,/g, '').replace(/K|L|Cr|%|x/g, '').trim();
};// Generate loan schedule for table
const loanSchedule = generateLoanAmortization(parseFloat(loanAmount), emi, parseFloat(interestRate), parseInt(tenure));
// Generate SIP data for table
const sipData = [];
for (let year = 1; year <= parseInt(sipPeriod); year++) {
const futureValue = calculateSIPFutureValue(parseFloat(sipAmount), parseFloat(sipReturns), year, adjustInflation, parseFloat(inflationRate));
const investedAmount = parseFloat(sipAmount) * year * 12;
const returns = futureValue - investedAmount;
sipData.push({
year: year,
investedAmount: Math.round(investedAmount),
futureValue: Math.round(futureValue),
returns: Math.round(returns)
});
}const htmlContent = `
Financial Calculator Complete Report Loan and SIP Calculator Statistics
Home Loan Parameters
Loan Amount:
Rs ${loanAmount}
Tenure:
${tenure} years
Interest Rate:
${interestRate}% per annum
Monthly EMI:
Rs ${Math.round(emi)}
SIP Investment Parameters
Monthly SIP:
Rs ${sipAmount}
Investment Period:
${sipPeriod} years
Expected Returns:
${sipReturns}% per annum
Inflation Adjusted:
${adjustInflation ? 'Yes' : 'No'}
Calculation Summary
Home Loan Summary
Total EMI Payments:
Rs ${getCleanValue('totalEmiPayments')}
Total Interest Paid:
Rs ${getCleanValue('totalInterestPaid')}
Interest Ratio:
${getCleanValue('interestRatio')}%
Break Even Year:
${document.getElementById('breakEvenYear').textContent}
SIP Investment Summary
Total Investment:
Rs ${getCleanValue('totalSipInvestment')}
Final Maturity Value:
Rs ${getCleanValue('finalMaturityValue')}
Total Returns Generated:
Rs ${getCleanValue('totalReturnsGenerated')}
Return Multiple:
${getCleanValue('returnMultiple')}x
Financial Insights
SIP Offset Percentage:
${getCleanValue('offsetPercentage')}%
Net Wealth:
Rs ${getCleanValue('netWealth')}
Monthly Surplus Needed:
Rs ${getCleanValue('monthlySurplus')}
Financial Growth Visualization
Charts are best viewed in the interactive calculator.
Interactive charts with breakeven markers are available in the online version of this calculator.
Detailed Year-wise Data
Home Loan Amortization Schedule Year Opening Balance EMI Amount Interest Paid Principal Paid Closing Balance
${loanSchedule.map(row => `${row.year} ${Math.round(row.openingBalance)} ${Math.round(emi * 12)} ${Math.round(row.interestPaid)} ${Math.round(row.principalPaid)} ${Math.round(row.closingBalance)}
SIP Investment Growth Schedule Year Total Invested Future Value Returns Generated
${sipData.map(row => `${row.year} ${row.investedAmount} ${row.futureValue} ${row.returns}
`;// Create and download the HTML file
const blob = new Blob([htmlContent], { type: 'text/html' });
const url = window.URL.createObjectURL(blob);
const a = document.createElement('a');
a.href = url;
a.download = `Financial_Calculator_Complete_Report_${new Date().toISOString().split('T')[0]}.html`;
document.body.appendChild(a);
a.click();
document.body.removeChild(a);
window.URL.revokeObjectURL(url);
}function calculateSipSuggestion() {
const loanAmount = parseFloat(document.getElementById('loanAmount').value);
const tenure = parseInt(document.getElementById('tenure').value);
const interestRate = parseFloat(document.getElementById('interestRate').value);
const sipPeriod = parseInt(document.getElementById('sipPeriod').value);
const sipReturns = parseFloat(document.getElementById('sipReturns').value);
const adjustInflation = document.getElementById('adjustInflation').checked;
const inflationRate = parseFloat(document.getElementById('inflationRate').value);// Calculate EMI and total loan cost
const emi = calculateEMI(loanAmount, interestRate, tenure);
const totalEmiPayments = emi * tenure * 12;
// Calculate total interest
const totalInterest = totalEmiPayments - loanAmount;
const totalLoanCost = loanAmount + totalInterest;// Calculate minimum SIP needed to match total loan cost
// Using the SIP future value formula in reverse
const effectiveRate = adjustInflation ?
((1 + sipReturns / 100) / (1 + inflationRate / 100) - 1) * 100 :
sipReturns;
const monthlyRate = effectiveRate / (12 * 100);
const totalMonths = sipPeriod * 12;
let requiredSipAmount;
if (effectiveRate === 0) {
requiredSipAmount = totalLoanCost / totalMonths;
} else {
// PMT = FV * r / ((1 + r)^n - 1)
requiredSipAmount = totalLoanCost * monthlyRate / (Math.pow(1 + monthlyRate, totalMonths) - 1);
}const suggestionBox = document.getElementById('sipSuggestion');
const suggestionText = document.getElementById('sipSuggestionText');
const currentSipAmount = parseFloat(document.getElementById('sipAmount').value);if (requiredSipAmount > 0 && requiredSipAmount <= 100000 && currentSipAmount < requiredSipAmount) {
suggestionBox.style.display = 'block';
const formattedSip = Math.round(requiredSipAmount);
const formattedLoanCost = formatIndianCurrency(totalLoanCost);
suggestionText.innerHTML = `
To break even with your total loan cost of ₹${formattedLoanCost}, invest minimum
₹${formatIndianCurrency(formattedSip)} monthly for ${sipPeriod} years
at ${sipReturns}% returns${adjustInflation ? ' (inflation-adjusted)' : ''}.
`;
// Auto-update SIP slider if suggestion is reasonable and current amount is less
if (formattedSip >= 500 && formattedSip <= 100000 && currentSipAmount < formattedSip) {
document.getElementById('sipAmount').value = formattedSip;
document.getElementById('sipAmountDisplay').textContent = '₹ ' + formatIndianCurrency(formattedSip);
}
} else {
suggestionBox.style.display = 'none';
}
}