Compare pure equity SIP vs buying a flat vs buying a plot — honestly, with real math.
Many Indian investors face the same decision: should you invest monthly in equity markets through SIPs, or use that money to buy property?
This calculator compares three common paths:
It incorporates inflation, loan interest, rental income and taxes to show how long-term wealth evolves across different investment strategies.
| Factor | Equity SIP | Real Estate |
|---|---|---|
| Liquidity | High – can sell in days | Low – selling can take months |
| Entry cost | Low – start with small SIP | Very high – down payment + loan |
| Leverage | Typically none | Home loans allow leverage |
| Volatility | High in short term | Lower visible volatility |
| Emotional comfort | Lower – market fluctuations | Higher – tangible asset |
This calculator compares long-term wealth outcomes between equity investing and real estate in India. It models SIP investing, property appreciation, loan amortisation, rental income, inflation and taxation to show how wealth evolves across different investment strategies.
The goal is not to predict the future, but to help people think more clearly about the trade-offs between investing in markets and buying property.
Hi, I'm Siddhartha. I work at the intersection of technology, consumer behaviour and business strategy with over a decade of experience across e-commerce and consumer technology companies.
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This is an independent side project and not affiliated with my employer.