BM Wealth•BM Wealth Calculator•ARN 90008 | IRDAI 277925Mumbai Property vs SIP Calculator
Should you buy property or invest in SIP? See the math.
BM Wealth | ARN 90008 | Educational mathematical projection. Not investment advice.
Enter the property price, your intended monthly SIP amount, and the horizon in years. Click Calculate to compare the future value of the property path vs an equity SIP path under the locked assumptions.
- Focus on the wealth gap as the decision signal, not the absolute totals.
- If the SIP path is higher, it indicates opportunity cost of allocating that capital to property under these assumptions.
- Use the result as an illustrative comparison — it does not model stamp duty, EMIs, or taxes.
Example: Property price ₹2,00,00,000+ monthly SIP ₹50,000 + horizon 15 years.
FAQs
Clear answers, minimal noise.
After comparing scenarios, you can review execution options without any external links.
Explore partner execution options →Related resources: All Tools · Tax Intelligence · SIP · Blogs
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Property vs SIP — What This Tool Is Actually Measuring
This Mumbai-first calculator is designed to highlight opportunity cost: what happens if the same upfront capital used for a property purchase is deployed into equity markets, alongside a disciplined monthly investment.
The model intentionally uses locked assumptions so the comparison is consistent and audit-able. Outputs are illustrative and will vary with market and property cycles.
Important Limitations
- No stamp duty, brokerage, capital gains tax, or transaction costs included.
- No EMI/loan schedules are modeled.
- Liquidity, vacancy risk, and exit constraints are not modeled.
How to Use the Output
Use the wealth gap as a conversation starter and decision framework input. If you want a step-by-step execution plan (timelines, risk controls, and transition structure), unlock the premium blueprint.
Market-linked outcomes can fluctuate • ARN 90008