Dream Home Calculator
Calculate required SIP or lumpsum investment to buy your dream home
Home Goal Details
₹
₹
years
%
%
Quick Scenarios:
Future Cost of Home
₹1,30,31,157
After 10 years with 5% inflation
Investment Strategy
Required Monthly SIP
₹49,897
Invest monthly for 10 years @ 12% returns
OR
Required Lumpsum Today
₹36,95,684
One-time investment today @ 12% returns
Cost Breakdown
Current Home Price₹80,00,000
Inflation Impact+₹50,31,157
Future Value of Savings₹15,52,924
Additional Amount Needed₹1,14,78,233
How This Calculator Works
This calculator helps you plan your dream home purchase by considering:
- •Property inflation: Real estate prices typically rise 5-7% annually in India
- •Current savings growth: Your existing savings will also grow with investments
- •Investment returns: Equity/MF can generate 10-12% returns long-term
- •Flexible options: Choose between monthly SIP or one-time lumpsum
Smart Home Buying Tips
Start Early
The earlier you start, the less you need to save monthly
Invest Wisely
Use equity mutual funds for long-term goals (7+ years)
Plan for Down Payment
Aim for 20-30% down payment to reduce EMI burden
💡 Financial Planning Tips
•
Emergency Fund First: Build 6-12 months expenses before aggressive home savings
•
Location Matters: Property inflation varies by city (metros 6-8%, tier-2 4-5%)
•
Tax Benefits: Home loan interest deductible up to ₹2L under Section 24(b)
•
Review Annually: Adjust SIP based on salary increments and market conditions