SIP vs Real Estate Calculator (India)

₹20L today: Where should you invest? Nifty SIP, buy a flat, or buy land?

Compare pure equity SIP vs buying a flat vs buying a plot — honestly, with real math.

Most Indians face this decision:
₹20L today + ₹1L/month for 15 years
Is it smarter to invest in Nifty or buy property?
See how this plays out ↓
₹ 20 lakh
₹ 1 lakh / month
Over how many years?
Total capital deployed over the period ₹0
Step-up SIP — does your income grow each year?
Your monthly investment increases by this % every year. Applies to all 3 scenarios equally.
Off
Results — 10 year outcome
Wealth trajectory — year by year
A — Pure equity
B — Flat + SIP
C — Plot + SIP
Monthly cash flow
Customise assumptions
Global
Nifty 50 CAGR (%)12%
Inflation rate (%)7%
Tax treatment
Scenario B — Flat
Flat purchase price (₹) ₹1.00 Cr
Flat appreciation CAGR (%)7%
Home loan rate (%)7.5%
Loan tenure (years)20 yr
Monthly rent (₹) ₹30K
Rent growth per year (%)7%
Annual maintenance (₹)₹40K
Rent usage
Scenario C — Plot
Plot purchase price (₹) ₹1.00 Cr
Plot appreciation CAGR (%)12%
Plot loan rate (%)7.5%
Loan tenure (years)20 yr
Financial analysis
Psychological dimension
Methodology: EMI via standard amortisation (monthly compounding). Loan balance via standard formula. SIP FV computed year-by-year with step-up: each year's monthly × (1 + stepup%)^y, built as 12-month SIP then compounded to horizon. Rental corpus = year-by-year 12-month SIP compounded — no double counting. Section 24b = interest deduction capped ₹2L/yr; 30% slab tax saved, reinvested in Nifty. IRR = Newton-Raphson on monthly cashflows. Real wealth = nominal ÷ (1 + inflation)^years. Invested = lump sum + total monthly budget × months — identical across scenarios. Tax: equity LTCG 12.5% above ₹1.25L; property LTCG 20% post-indexation; rental 30% slab after 30% std deduction. Not financial advice.