Investment returns (adjusted for what you could have earned investing the same money)
Cost in today's money PV
—
What all your future payments are worth right now
Return on investment DCF-ROI
—
on PV-adjusted outflows · incl. SIP returns
Annual growth rate CAGR
—
per year · compare directly to MF / FD rates
Outflow breakdown & Returns breakdown
Where your money goes
Total paid: —
What you get back
Total returns: —
Final wealth — Home vs benchmarks
Same starting capital: — (PV of all your outflows) invested for — years. Benchmarks use long-run historical averages — past returns don't guarantee future results.
Home wealth vs S&P 500 SIP — over the years
Home wealth = net equity + cumulative rent income + S&P 500 gains from reinvesting rent surplus ·
S&P 500 SIP = same down payment invested as lump sum on day 1, plus the EMI amount added every month — all growing at 10.5% p.a.
The crossing point (if any) is when buying overtakes the market.
Annual cost breakdown — principal · interest · maintenance
Rental cash flow over time
Sage bars = rent received · Rose bars = EMI + maintenance · Steel line = cumulative net cash flow (right axis). When the line crosses zero, the investment breaks even on a cash basis.
Rent receivedEMI + maintenanceCumulative net CFSIP portfolio (S&P 500)
Home investing vs Stock investing — full timeline
Home investing net gain
—
Equity + net cash flow (total rent − total EMI − total maintenance)
Stock investing net gain S&P 500
—
Down payment (day 1) + monthly outflow invested at 10.5%/yr
Year
EMI + maint
Rent saved
Net outflow (EMI+maint − rent)
Invested this yr (S&P 500)
Cum. invested
Stock portfolio (S&P 500)
CAGR % (DCF-adjusted) — Tenure × Down payment
Annualised return on the present value of all outflows. Compare directly to MF returns. White border = your selection.
Total ROI % — Tenure × Down payment
Nominal return on actual cash paid. Includes rent avoided as benefit. White border = your selection.
Annual rental income
Rent collected from tenants each year — a direct cash inflow benefit of owning the property.
Year
Rental income (annual)
YoY growth (year-on-year %)
Cumulative (running total)
% of outflow (rent ÷ total paid)
Year-by-year loan repayment schedule
Year
EMI paid (annual total)
Principal (reduces loan)
Interest (bank's fee)
Maintenance (incl. tax)
Loan balance (outstanding)
Home value (estimated)
Net equity (value − loan)
Rental income (this year)
Cumul. rental (running total)
Property A
₹
₹
%
%/yr
%/yr
%/yr
%/yr
20 years
5 yrs30 yrs
20%
5%60%
Property B
₹
₹
%
%/yr
%/yr
%/yr
%/yr
20 years
5 yrs30 yrs
20%
5%60%
Metrics side by side
Equity growth — A vs B
A — Home equityB — Home equityA — Renter portfolioB — Renter portfolio
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