Property vs SIP and FD calculator

Every rate is your assumption. The calculator shows what the same amount becomes in each over the years you pick; it does not say which to choose. Everything runs in your browser; nothing you type is saved or sent.

Property, mutual fund or FD

The same money over the same years, on your assumptions.

Amount (₹)

₹50 lakh

Years

Your assumption: property price growth (% a year)

Your assumption: rental yield (% of value a year)

Your assumption: maintenance, property tax and other holding costs (% of value a year)

Your assumption: FD rate (% a year)

Your assumption: mutual fund or SIP return (% a year)

Property: value plus net rent

₹94,02,262

Value ₹81,44,473 · rent after holding costs ₹12,57,789

Fixed deposit

₹90,70,092

Compounded quarterly

Mutual fund

₹1,07,94,625

Compounded yearly

Every rate here is your assumption; the defaults are round placeholders, not forecasts. Tax is not modelled, nor are stamp duty, brokerage, loans or selling costs. Rent is a share of each year's starting value and is added up without being reinvested. The fund amount is treated as invested at once; a SIP spreading the same money over months gives a different figure.

Common questions

Are the default rates forecasts?

No. They are round placeholders. Enter the rates you want to test.

Does the calculator include tax?

No. Tax is not modelled, nor are stamp duty, brokerage, loans or selling costs.