Real Estate vs Stock Market Calculator

Compare real estate and stock market investments with comprehensive analysis including rental income, dividends, taxes, and all relevant factors to make informed investment decisions.

Investment Parameters

Configure your investment scenarios

Real Estate Investment

Property Value

₹

💡 Tip: Consider location, amenities, and future development plans when estimating property value

Down Payment

₹

20.0% of property value Loan: ₹40.00 L

💰 Higher down payment = Lower EMI + Less interest paid

Mortgage Rate (%)

Loan Term (Years)

📊 EMI Preview: ₹34,713 per month

Monthly Rent Income

₹

Rent Increase (%)

💰 Annual Rent Income: ₹3,00,000 (Year 1) → ₹6,57,337 (Year 20)

Appreciation (%)

Property Tax (%)

Maintenance (%)

Vacancy Rate (%)

Management Fee (%)

Closing Costs (%)

⚠️ Total Annual Costs: ~₹1,35,000

Stock Market Investment

Investment Value

Sync with down payment (₹10.00 L)

₹

🔗 Stock investment amount is synced with down payment. Uncheck sync to set manually.

Annual Return (%)

Dividend Yield (%)

Investment Mode

Lump Sum SIP Mode

Dividend Strategy

Reinvest Dividends Take Cash

Expense Ratio (%)

Monthly Rent Cost (₹)

₹

💰Annual Rent Cost: ₹2,40,000 (Year 1) → ₹5,25,870 (Year 20)

Dividend Tax (%)

Investment Recommendation
🏠 REAL ESTATE

Why Real Estate?

Superior returns: 10.9% vs 11.1%
Tangible asset with inflation hedge
Regular rental income stream

Real Estate Return

685.7%

₹88.39 L

Stock Market Return

727.9%

₹72.79 L

Return Difference

42.2%

Total difference

Investment Period

20 Years

Analysis period

Real Estate Analysis

Total Investment: ₹11,25,000

Monthly EMI: ₹34,713

Property Appreciation: ₹1,10,35,677

Total Cash Flow:

-₹59,00,283

Total Return: ₹88,38,904

ROI: 685.7%

Stock Market Analysis DRIP

Initial Investment: ₹10,00,000

Portfolio Value: ₹1,33,22,626

Total Dividends: ₹21,03,176

Total Rent Paid: -₹71,46,739

Net Worth: ₹82,79,063

Total Return: ₹72,79,063

ROI: 727.9%

Real Estate Insights

Leverage Advantage: Use borrowed money to amplify returns
Inflation Hedge: Property values typically rise with inflation
Tax Benefits: Depreciation and interest deductions
Control: Direct control over the investment

Stock Market Insights

Liquidity: Easy to buy and sell anytime
Diversification: Spread risk across many companies
Low Maintenance: No property management required
Compound Growth: Reinvest dividends for exponential growth

Important Disclaimers

Estimates Only: This calculator provides estimates based on assumptions. Actual returns may vary significantly due to market conditions and other factors.

Market Risk: Past performance doesn't guarantee future results. Both real estate and stock markets can be volatile.

Personal Situation: Consider your risk tolerance, investment timeline, and financial goals before making investment decisions.

Professional Advice: Consult with financial advisors and tax professionals for personalized investment advice.

How to Use This Real Estate vs Stock Market Investment Comparison Tool

Make informed investment decisions with our comprehensive comparison guide

Set Property Details

Enter property value, down payment, mortgage terms, and rental income expectations.

Configure Stock Investment

Set expected returns, dividend yields, and tax considerations for stock market investment.

Adjust Parameters

Fine-tune investment period, inflation rate, and other common parameters.

Analyze Results

Review recommendation, compare returns, and understand risk factors.

Key Features

Comprehensive Real Estate Analysis

Includes rental income, property appreciation, mortgage payments, taxes, and all costs

Stock Market Modeling

Factors in dividends, capital gains, taxes, and expense ratios

Side-by-Side Comparison

Visual charts and detailed breakdowns of both investment options

Risk Assessment

Understand the risks and considerations for each investment type

Investment Strategies

Conservative Approach

Focus on stable rental income and moderate appreciation

Real Estate: 60%, Stocks: 40%

Balanced Portfolio

Mix of real estate and diversified stock investments

Real Estate: 40%, Stocks: 60%

Growth Focused

Emphasize high-growth potential investments

Real Estate: 20%, Stocks: 80%

Decision Framework

Choose Real Estate If: You want tangible assets, steady rental income, tax benefits, and don't mind property management

Choose Stocks If: You prefer liquidity, diversification, lower maintenance, and potentially higher returns

Consider Mixed If: Returns are similar, you want to balance risks, or diversify across asset classes

Time Horizon Matters: Longer periods favor stocks, shorter periods may favor real estate stability

Ready to Start Your Investment Journey?

Explore home loan options or learn more about investment strategies to make informed decisions.