Your investment comparison
Ending values include investment growth. Person A’s portfolio is the property value minus the remaining loan, plus reinvested rental surplus.
“Amount invested” is the cash contributed from your pocket. “Gain over cash invested” is the final portfolio value minus those contributions; it is not a taxable capital-gain calculation.
Total rent is after vacancy but before rent tax. Reinvested rent surplus includes both surplus contributions and their investment growth.
Person A — Annual values
Portfolio = property − loan + reinvested rent surplus. Rent/month is gross rent at the year’s end. Outgo shows cash added; green + values show surplus in years with no outgo. Highlighted rows mark repairs. Year 0 shows the starting position.
Person B — Annual values
The portfolio includes the starting investment, monthly contributions and growth. Annual investment is the cash added during that year; Year 0 is the initial investment.
What-If Analysis
How the comparison works
Person A: pays the down payment and borrows the remaining property price. Each month, rent after vacancy and the entered rent-tax assumption offsets EMI, maintenance, property tax and scheduled repairs. Any shortfall is added from pocket; any surplus is invested at the shared mutual-fund return.
Person B: starts with the same amount as the down payment. Matched mode invests Person A’s monthly cash shortfall. Fixed-SIP mode invests your chosen monthly amount instead. Both mutual-fund portfolios grow first, then receive that month’s contribution.
Growth and costs: property appreciation uses an equivalent monthly compound rate. The mutual-fund return is divided by 12 and compounded monthly. Rental yield stays constant: each month’s gross rent is that month’s property value × annual yield ÷ 12. Rent therefore rises or falls with the property value. Maintenance, property tax and repairs use the property value at that time. Repairs are omitted if they fall exactly at the final month of the comparison.
What is included: loan interest, rent, vacancy, the entered rent tax, maintenance, property tax and repairs. Buying and selling costs, stamp duty, registration, brokerage, and separate investment or sale taxes are not included. Starting age and inflation are reference entries only; the results are not adjusted for inflation.
This is a projection using constant assumptions. Changes in property prices, occupancy, rents and investment returns can produce different outcomes.