FIRE & Wealth Tools

Why pay bank interest when compounding can buy your toys for you?

The Anti-EMI Calculator

Why pay bank interest on credit card EMIs when compounding can buy your toys for you? Save first, let debt funds pay the discount, flex later.

Calculator Inputs

Target Details & ROI

Total cost of your purchase
Months until purchase
1m 1y 2y 3y 4y 5y 6y 7y 8y 9y 10y
Debt / liquid fund return rate
Deposit Frequency
Reverse EMI Deposit
₹--
For the next -- periods until --
Time Remaining
--
Target timeline duration
Compounding Bonus
₹--
Free returns earned

Sinking Fund Accumulation Curve ROI Active

Credit Card Trap vs. Anti-EMI Comparison

Credit Card EMI Route

Typical 16% p.a. interest + GST on interest & fee + 1.5% processing fee

Total You Pay:
₹0
Bank's Earnings:
₹0

Anti-EMI / Save First Route

Accumulating in debt fund at 8.0% p.a. return rate

Total You Pay:
₹0
Your Savings Bonus:
+₹0
Net Anti-EMI Win: You save ~₹-- just by planning ahead!