Dream Home Planner
Properties get more expensive over time. Estimate the future cost of your dream home and plan the exact SIP needed to hit your downpayment target.
Cost After 5 Years
₹66,91,128
Required Monthly SIP
₹13,013
Downpayment Generation Breakdown
How your target downpayment of ₹13,38,226 will be achieved
Frequently Asked Questions
Why should I use a separate inflation rate for property?
Real estate prices in India historically rise at a different rate (often 5-8% depending on the city and tier) compared to general inflation. It is safer to assume a modest property appreciation specifically for the area you want to buy in.
How much downpayment should I plan for?
Banks typically fund up to 80-90% of the property value. However, a 20% standard downpayment is recommended. Additionally, consider planning an extra 5-10% buffer for stamp duty, registration, and initial interior setup.
Where should I invest for this Downpayment goal?
If changing houses is a short-term goal (less than 3 years), stick to safe assets like RDs, FDs or Liquid Mutual Funds. If it's a mid-to-long term goal (5-10+ years), aggressive hybrid or equity mutual funds via monthly SIPs are ideal.