MoneyFrame — Financial Decision Engine

Flat vs Mutual Fund

Same starting capital, year-by-year, with breakeven CAGR in both directions.

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SIP mode

Property — purchase & financing

Property price ₹70,00,000

Down payment 25%

Loan interest rate 8.5%

Loan tenure 20 yrs

Property appreciation 6%

Property — rental income & costs

Starting rental yield 3%

Rent growth 5%

Vacancy rate 5%

Maintenance (% of value/yr) 1%

Property tax (% of value/yr) 0.5%

Rent taxed away 15%

Mutual fund side

Equity MF CAGR 12%

Initial MF investment ₹17,50,000

Horizon

Holding period 15 yrs

Loan tenure and rental economics are modelled with the same engine as the standalone Rental Property calculator. Taxes on rental income and capital gains at sale are not modelled here — validate with a CA before deciding.

After 15 years

Property leads

Property net worth₹1,45,55,224

MF portfolio value₹1,04,92,653

Property cash invested₹17,50,000

MF cash invested₹17,50,000

Property CAGR to match MF4.06%

Equity CAGR to match property14.21%

Under these assumptions, Property produces the higher net worth after 15 years — a difference of ₹40,62,571. Property would need 4.06% annual appreciation to match the mutual fund outcome; mutual funds would need 14.21% CAGR to match the property outcome.

Growth over time — both sides

Property net worth: ₹1,45,55,224

MF portfolio value: ₹1,04,92,653

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