Real Estate vs Stock Market Calculator

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

Investment Parameters

Configure your investment scenarios

Investment Period (Years)

Real Estate Investment

Property Value

₹

Down Payment

₹

20% of property value · Loan: ₹40.00L

Mortgage Rate (%)

Loan Term (Years)

Monthly Rent Income

₹

Rent Increase (%/yr)

Apply Tax Benefits — includes Sec 24(b)/80C deductions (assumed 30% slab, capped per IT rules)

Appreciation (%/yr)

Property Tax (%/yr)

Maintenance (%/yr)

Vacancy Rate (%)

Management Fee (%)

Closing Costs (%)

Stock Market Investment

Lump Sum (Day 1)Periodic SIP

Lump Sum Amount

₹

Monthly SIP

₹

Annual Step-Up (%)

Expected Return (%)

Expense Ratio (%)

Dividend Yield (%)

Dividend Tax (%)

Dividend Strategy

Real Estate Return

75.0%

₹38,91,583

Stock Market Return

113.7%

₹1,22,92,368

Return Difference

38.7%

Stocks higher

Investment Period

10 Years

Analysis period

Real Estate Analysis

Total Investment₹51,87,656

Monthly EMI₹49,594

Final Property Value₹89,54,238

Equity Gain₹79,54,238

Total Cash Flow-₹40,62,656

Tax Benefits₹9,17,512

Total Return₹38,91,583

ROI75.0%

Stock Market Analysis

Total Invested₹1,08,10,756

Portfolio Value₹2,31,03,124

Total Dividends (cash)₹0

Net Worth₹2,31,03,124

Total Return₹1,22,92,368

ROI113.7%

Investment Returns Comparison

Investment Growth Over Time

Year-by-Year Investment Growth

Click on any year to see detailed breakdown

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.
Simplified Model: Tax benefits assume a flat slab rate; real estate cash flow doesn't account for every possible expense. Treat results as directional, not precise.
Market Risk: Past performance doesn't guarantee future results. Both real estate and stock markets can be volatile.
Professional Advice: Consult with financial advisors and tax professionals for personalized investment advice.

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

Leaning toward real estate?

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