Rental Property vs SIP — real estate or the market?
A rental property gives you a tangible asset, rental income, and leverage through a home loan — but with real illiquidity, vacancy risk, and maintenance costs. A SIP is liquid, diversified, and hands-off. Compare the two on the same capital.
Rental Property vs SIP Calculator — 15-year comparison
Opens Compare Lab pre-loaded with both, in your own currency — adjust any input and the chart updates instantly.
Compare now →A residential property purchased (often with a home loan) to generate rental income alongside potential appreciation.
Best for: Investors who want income plus appreciation and are prepared to actively manage a physical asset (or pay someone to).
A fixed amount invested into equity mutual funds every month, automatically, regardless of whether the market is up or down.
Best for: Long-term goals (7+ years) where you can tolerate volatility for higher growth potential.
Does this account for rental income?
Yes — the Rental Property side factors in rent, vacancy rate, rent growth, and operating costs, the same engine used by the standalone Rental Property calculator.
For a full side-by-side with financing details, is there a dedicated tool?
Yes — see the dedicated Flat vs Mutual Fund comparison, which models loan financing and cash-flow-matched SIPs in more depth.
Where do these numbers actually come from?
The same calculation engine that powers our standalone calculators and Compare Lab — nothing here is a separate or simplified estimate. Every assumption (rate, tenure, tax) is visible and adjustable once you open the comparison with your own numbers.