Free guide · Loans and debt
Prepay the loan, or invest the money?
There is a line at about 9.5%. Below it, invest. At 10% and above, prepay. A home loan sits on one side; almost every other loan sits on the other.
8 pages · Verified Aug 2026 · Free to share
What this guide covers
The same model run across car, education, gold, personal and credit card debt. The answer flips, and it flips at a rate you can memorise.
The full breakdown, sources and glossary are in the PDF.
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Follow @buildwithabinashHow I checked this
- Every total computed in code, not by hand
- Sources listed on the last page of the PDF
- Re-checked on Aug 2026
Disclaimer
Education only, not investment advice, and not a recommendation of any product. I am not a SEBI-registered investment adviser. Figures can change; check the official source before acting.