Property vs Fixed Deposit (FD) Calculator

A Property vs FD Calculator compares the estimated returns from investing in a property with investing the same amount in a fixed deposit (FD) over a selected holding period.

The calculator estimates the future property value using the annual appreciation rate and holding period. It also calculates FD maturity value using the FD interest rate and compounding frequency, and considers applicable estimated taxes and costs.

Property appreciation is the increase in the value of a property over time. The calculator uses the annual appreciation rate to estimate the property's future value.

Incidental costs are additional expenses associated with purchasing a property, such as stamp duty, registration fees, and initial legal costs. These costs are included when calculating the total property investment.

The future property value is estimated using the purchase price, annual appreciation rate, and holding period. The calculation assumes that the property appreciates at the selected annual rate throughout the investment period.

FD maturity value is estimated based on the initial investment, FD interest rate, investment period, and selected compounding frequency. The calculator supports annual and quarterly compounding.

Yes. The calculator provides estimated property capital gains tax and estimated tax on FD interest based on the selected tax regime and applicable assumptions.

The Difference in Net Value shows the difference between the estimated net property value and the estimated net FD value after considering the modeled costs and taxes.
A positive value means the estimated net property value is higher under the calculator's assumptions, while a negative value means the estimated net FD value is higher.