SIP vs Property Calculator
Compare putting your money into property (appreciation plus rent) versus equity mutual funds over the same period.
Compare the options
Mutual fund wins by
₹12,93,846
Over 10 years
- Property value then
- ₹43,17,850
- Rental income
- ₹6,00,000
- Property total
- ₹49,17,850
- Mutual fund total
- ₹62,11,696
A simplified comparison of a lump sum in property vs the same amount in equity funds. It ignores loan leverage, taxes, liquidity and the effort of managing property. Real-estate returns are far less liquid.
Frequently Asked Questions
How does the SIP vs property calculator compare returns?
It projects the property’s value from your appreciation rate plus rental income, and compares it with the same amount growing at your expected mutual fund return over the same period.
What does the comparison leave out?
It is an indicative comparison. It does not include stamp duty, maintenance, vacancy, taxes or liquidity differences, and market returns are not guaranteed.
Are the TerraNexxus calculators free to use?
Yes — every calculator and tool on TerraNexxus is completely free to use, with no sign-up or login required.
How accurate are these property and loan calculators?
They use standard, widely-accepted formulas to give a close estimate. For exact figures (loan eligibility, EMI, stamp duty, tax), always confirm with your bank, lender or a qualified financial advisor.
Do the calculators work on mobile?
Yes, all tools are fully responsive and work smoothly on mobile, tablet and desktop browsers.
Is the data I enter stored or shared?
No. Calculations run entirely in your browser — TerraNexxus does not store, track or share the values you enter.