Loan vs Invest Calculator
You have the cash for a car. Option A: pay cash. Option B: take the bank loan and invest the cash instead. Which leaves you richer? Assumes you can service the monthly installment from income.
Total interest paid to bank
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Investment grows to
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Investment gain
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Monthly loan installment
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How to read this: investing wins only if your return beats the loan rate after accounting for risk. A 12% stock return is not guaranteed — markets fall. This is an illustration, not financial advice. Keep an emergency fund before investing leveraged money.