Compare property, equity mutual funds, gold and fixed deposits with the same initial money and additional cash contributions. This calculator uses your explicit return, cost, tax and inflation assumptions; the city filters live budget-matched projects, not growth forecasts. Optional NAS AI analysis can explain trade-offs, but the ranking is a mathematical projection, not an allocation recommendation.
Real Estate Investment AI — Compare Options Side-by-Side
Reviewed by Nas, PropyMart AI · AI Property Advisor · Last updated 2026-10-31
How do I use the Investment AI?
- Inputs: investment amount, holding years, target city
- Output: modelled terminal values across property, MF, gold and FD
- Models leverage, tax, rent and appreciation
- Pair with ROI Calculator to drill into the RE option
- Free, no profile signup required
How to use this calculator
- Step 1 Choose the same initial investment and holding period for all four paths. City changes only the project search.
- Step 2 Change returns and tax assumptions, then add property buying costs and a home loan if relevant.
- Step 3 Compare nominal value with today's purchasing power. Read liquidity and downside assumptions, not only the ranking.
- Step 4 Inspect property cash flow, request NAS AI analysis and check a real project's registration before committing.
Same maths. Different decisions.
Hypothetical inputs, not city averages or customer results. Indicative · Oct 2026. Tax is simplified; verify with your CA.
Kolkata · same-money comparison
₹50 L initial cash for 10 years. Property 6% appreciation + 3% gross yield, 7% buying costs, ₹3 lakh furnishing, 1 vacant month, 5% rent growth, ₹2,500 monthly maintenance, ₹12,000 annual tax, 2% sale cost. FD 7%, MF 11%, gold 8%; 30% slab, 12.5% gain tax, no loan. Property ₹81.38 L, FD ₹80.67 L, gold ₹1.01 Cr after simplified tax. modelled equity MF terminal value: ₹1.31 Cr
Pune · same-money comparison
₹80 L initial cash for 7 years. Property 6% appreciation + 3% gross yield, 7% buying costs, ₹3 lakh furnishing, 1 vacant month, 5% rent growth, ₹2,500 monthly maintenance, ₹12,000 annual tax, 2% sale cost. FD 7%, MF 11%, gold 8%; 30% slab, 12.5% gain tax, no loan. Property ₹1.12 Cr, FD ₹1.12 Cr, gold ₹1.3 Cr after simplified tax. modelled equity MF terminal value: ₹1.55 Cr
Bengaluru · same-money comparison
₹1.1 Cr initial cash for 15 years. Property 6% appreciation + 3% gross yield, 7% buying costs, ₹3 lakh furnishing, 1 vacant month, 5% rent growth, ₹2,500 monthly maintenance, ₹12,000 annual tax, 2% sale cost. FD 7%, MF 11%, gold 8%; 30% slab, 12.5% gain tax, no loan. Property ₹2.6 Cr, FD ₹2.25 Cr, gold ₹3.19 Cr after simplified tax. modelled equity MF terminal value: ₹4.74 Cr
What questions does the Investment AI answer?
Is real estate a better investment than mutual funds in India?
Neither is universally better. Compare net cash flow, liquidity, concentration, costs, financing and downside. Constant annual return inputs are indicative assumptions, not historical evidence or predictions.
How much should I invest in real estate vs equity?
There is no suitable allocation for every household. Consider existing property exposure, emergency reserves, debt, goals and risk tolerance with a qualified adviser. This calculator does not prescribe portfolio weights.
Is gold a good hedge against real estate?
Gold may diversify some risks but can fall, and correlation changes. Its form affects fees, tax and liquidity. The model represents an ETF-like holding, not jewellery, digital gold or a sovereign gold bond.
Should I invest in REITs instead of buying property?
Listed REITs and physical property have different risks, fees, tax and liquidity. REIT distributions and market prices are not guaranteed. REITs are not one of the four paths modelled here.
How does leverage change the return profile?
Borrowing can amplify gains and losses on equity and create ongoing cash shortfalls. The property model includes loan interest, amortisation, buying costs and outstanding debt at sale. Other assets receive the same additional cash contributions for a fairer comparison.
Which Indian city has the best ROI for real estate?
This tool does not rank cities by achieved investment returns. City selection filters real projects with listed RERA references within the implied property budget. It does not change the return assumptions.
Is fixed deposit still relevant?
An FD can suit some goals where predictability and provider terms matter, but inflation, tax, premature withdrawal penalties and bank credit risk remain. Enter the actual quoted rate rather than assuming a market-wide return.
How is tax different across these instruments?
FD interest is modelled at slab annually; the other assets use simplified rental or exit-gain calculations with editable rates. The model uses one equity allowance on a long-hold exit and does not track contribution tax lots. Short-hold slab treatment is a simplification, not statutory equity tax. Actual treatment depends on asset, dates, regime and exemptions; consult your CA.
Which is better: property vs mutual funds vs FD vs gold?
There is no universal winner. Compare the same cash contributions and horizon, then liquidity, concentration, cash flow and downside. Constant rates are projections, not probabilities or recommendations.
How is inflation-adjusted investment value calculated?
Divide terminal value by (1 + annual inflation assumption) raised to the holding years. The Today's money switch applies this to each asset.
Does this comparison determine my capital gains tax?
No. Editable simplified rates apply to overall holding periods, not individual contribution lots. FD interest is taxed annually at slab; MF and gold gains on exit. One ₹1.25 lakh equity allowance is assumed for a long hold. Short holds use slab rates as a model simplification, not a statement of statutory equity tax. Cess, surcharge and special relief are excluded.