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Home Purchase Decision Simulator

Compare buying a home against investing the equivalent capital. Model acquisition costs, floating loan rates, prepayments, rental income, property appreciation and opportunity cost across multiple scenarios.

📂 Import

📍 Quick Fill:

🏠 Property Details ▾

Property Type

Property Price (₹)

Home Purchase Date

Currency

Registration + Stamp Duty

Brokerage

Legal / Documentation Fee (₹)

Setup / Furnishing Cost (₹)

Other One-time Costs (₹)

Annual Appreciation Rate (%/yr)

📋 Itemized Cost Breakdown (overrides % fields above)▾

Property: — Legal/Reg: — Brokerage: — Renovation: — Tax/Transfer: — Other: — Grand Total: —

Description	Category	Amount (₹)

Leave empty to use % fields above. Categories: Property Price sets the base asset value used in appreciation calculations.

🏦 Loan Setup ▾

Buying with a Home Loan

Down Payment (₹)

Loan Amount (₹)

Down payment + loan amount differs from total acquisition cost.

Loan Tenure (years)

Loan / EMI Start Date

Processing Fee

Floating Rate Schedule

From Year	Annual Rate (%)

Monthly Service Charges (₹)

💳 Prepayment Plan ▾

🔹 One-Time Part Payment

📅 Monthly Extra Payment

📆 Yearly Lump-Sum

After Prepayment — Strategy

🏡 Usage & Income ▾

Property Usage

Monthly Rental Income (₹)

Annual Rent Increase (%)

Vacancy (%)

Annual Tenant Turnover Cost (₹)

Rental Income Start Date

Equivalent Market Rent (monthly, ₹)

Rent you'd pay if you rented a similar place instead

Annual Rent Escalation (%)

🔧 Running Costs ▾

Annual Maintenance (₹)

Annual Property Tax (₹)

Annual Insurance (₹)

Cost Inflation (%/yr)

📈 Scenario Appreciation Rates (used in scenarios & sensitivity)▾

Base appreciation rate is set in Property Details above. Set lower/higher variants here for scenario analysis.

Conservative Rate (%/yr)

Base Rate (%/yr) (from above)

Aggressive Rate (%/yr)

💹 Alternate Investment ▾

If you don't buy, you invest the down payment + ongoing EMI equivalent at this return rate.

Expected Return (%/yr)

Conservative Return (%/yr)

Aggressive Return (%/yr)

📅 Analysis Horizon ▾

Analyze over (years)

🧾 Tax Benefits (Sec 80C / Sec 24b) Reduces effective cost of buying ▾

Include Tax Savings in Comparison

⚠️ Disclaimer: This tool provides mathematical scenario analysis based on inputs and assumptions you enter. It does not account for all legal, tax, emotional, lifestyle, market or location-specific factors. Results are for educational and planning purposes only and should not be treated as financial, tax, legal or investment advice. Consult a qualified professional before making a home-buying decision.