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Financial Calculator

Home Down Payment SIP Calculator

Build your home down payment fund through systematic investment planning.

Home Planning
Property Investment
Down Payment Planning
Location-based Planning

Save for home loan down payment and purchase expenses

₹
₹1L₹2Cr
₹
₹0₹15.00 L
years
1 year50 years
%
5%20%
%
2%15%
Today's Value:₹15.00 L
Future Value:₹47.58 L

Required Monthly SIP

₹0

Goal may not be achieved with current settings

Home Loan Down Payment

Risk Profile: conservative

Total Invested
₹0
Estimated Returns
₹0
Maturity Amount
₹0
Consider increasing SIP or investment period

Goal vs Achievement

Target Amount₹47.58 L
Expected Amount₹0
Surplus/Deficit₹-47,58,254

Goal Achievement Chart

Track your progress towards your goal

Goal Amount
₹22,16,183
Today's value: ₹15,00,000
Maturity Amount
₹15,00,000
Below target
Achievement Timeline
Not achievable
With current plan
Investment Growth Over Time
Invested
Value
Goal
Year 0
₹0K
Year 1
₹1.6L
Year 2
₹3.3L
Year 3
₹5.1L
Year 4
₹7.2L
Year 5
₹9.4L
Year 6
₹11.8L
Year 7
₹14.4L
Year 8
₹17.3L

Key Insights

Total Returns:₹3,48,000
Return Percentage:30.2%
Monthly SIP:₹12,000
Investment Period:8 years
Year-wise SIP Breakdown

Detailed annual progress of your SIP investment journey

Year
Monthly SIP
Annual Investment
Cumulative Investment
Portfolio Value
Annual Returns
Total Returns
2025
₹12,000
₹1,44,000
₹1,44,000
₹1,50,480
+₹6,480
₹6,480
2026
₹12,000
₹1,44,000
₹2,88,000
₹3,14,503
+₹20,023
₹26,503
2027
₹12,000
₹1,44,000
₹4,32,000
₹4,93,288
+₹34,785
₹61,288
2028
₹12,000
₹1,44,000
₹5,76,000
₹6,88,164
+₹50,876
₹1,12,164
2029
₹12,000
₹1,44,000
₹7,20,000
₹9,00,579
+₹68,415
₹1,80,579
2030
₹12,000
₹1,44,000
₹8,64,000
₹11,32,111
+₹87,532
₹2,68,111
2031
₹12,000
₹1,44,000
₹10,08,000
₹13,84,481
+₹1,08,370
₹3,76,481
2032
₹12,000
₹1,44,000
₹11,52,000
₹16,59,565
+₹1,31,084
₹5,07,565
Financial Milestones

Track your journey to key financial goals

₹1 Lakh
Year 1
₹5 Lakh
Year 4
₹10 Lakh
Year 6
₹25 Lakh
Beyond timeline
Progress Summary

3 out of 6 milestones achieved in 8 years

Investment Performance

Key metrics of your SIP investment

Expected Annual Return

9%
Compounded annually

Wealth Multiplier

1.3x
Your money grows by this factor

Returns vs Investment

30%
Returns as % of total investment

Home Down Payment Planning Formulas

Formulas to estimate future down payment needs and calculate required savings.

1

Future Down Payment Amount

Calculate the future value of your desired down payment considering home price appreciation.

Future DP = Current DP × (1 + Appreciation Rate)^Years

Example:

Current down payment of ₹20,00,000 with 7% appreciation for 5 years

20,00,000 × (1 + 0.07)^5
= ₹28,05,103

Variables:

Current DP - Current estimated down payment amount
Appreciation Rate - Expected annual home price appreciation rate (as decimal)
Years - Number of years until home purchase
2

Required Monthly SIP

Calculate the monthly SIP needed to accumulate the future down payment.

SIP = Future DP / [((1 + r)^n - 1) / r] × (1 + r)

Example:

To accumulate ₹28,05,103 in 5 years with 9% annual return

28,05,103 / [((1 + 0.09/12)^(5*12) - 1) / (0.09/12)] × (1 + 0.09/12)
= ₹37,000

Variables:

Future DP - Target future down payment amount
r - Monthly return rate (Annual rate ÷ 12)
n - Total number of months for investment

These formulas provide the mathematical foundation for the calculations. Actual results may vary based on rounding, compounding frequency, and specific lender policies.

Beat Property Inflation
Property prices rise 4-6% annually. Start your SIP early to afford your dream home in your preferred location.
Down Payment Ready
Build the ideal 20% down payment to reduce EMI burden and avoid high interest rates on your home loan.
Stress-free Home Buying
Avoid financial strain while buying your dream home. Plan for additional costs like registration, stamp duty, and furnishing.
Home Buying Strategy in India

Home Purchase Costs

  • Down payment: 20% of property value
  • Stamp duty: 3-7% (varies by state)
  • Registration: 1-3% of property value
  • Additional costs: 2-5% (legal, brokerage)

Smart Home Investment Strategy

  • Start SIP 8-10 years before buying
  • Use balanced funds for moderate growth
  • Consider real estate funds for diversification
  • Plan for furnishing and immediate repairs

City-wise Home Investment Planning

Metro Cities (Mumbai, Delhi, Bangalore)

Property cost: ₹80L-3Cr+ | Down payment: ₹16L-60L+

High appreciation potential, longer SIP horizon needed

Tier-1 Cities (Pune, Chennai, Hyderabad)

Property cost: ₹50L-1.5Cr | Down payment: ₹10L-30L

Good appreciation with moderate investment requirements

Tier-2/3 Cities

Property cost: ₹25L-75L | Down payment: ₹5L-15L

Affordable entry point, lower appreciation expectations

Investment Strategy

Total budget = Property + 25-30% additional costs

Include costs for registration, furniture, and immediate needs

Frequently Asked Questions

Find answers to common questions about goal-based SIP planning and financial planning strategies.

What is goal-based SIP planning?

Goal-based SIP planning involves investing systematically in mutual funds with specific financial objectives in mind. Instead of investing randomly, you define clear goals (like education, marriage, retirement) and calculate the required monthly investment to achieve them within a specific timeframe.

How does inflation affect my financial goals?

Inflation erodes purchasing power over time. What costs ₹1 lakh today might cost ₹2-3 lakhs in 15-20 years. Our calculator includes inflation adjustment to show the realistic future cost of your goals, helping you plan adequately for actual financial needs.

Should I have separate SIPs for different goals?

Yes, it's advisable to have separate SIPs for different goals as they have different time horizons and risk profiles. Short-term goals (1-3 years) need conservative investments, while long-term goals (10+ years) can have higher equity allocation for better returns.

What if I can't invest the calculated SIP amount?

Start with whatever amount you can afford and increase it annually as your income grows. You can also extend the investment period or adjust the goal amount. The key is to start early and invest consistently, even if the amount is smaller initially.

Can I change my SIP amount during the investment period?

Yes, most mutual funds allow you to increase, decrease, or pause SIPs. You can set up step-up SIPs that automatically increase your investment annually. This helps counter inflation and leverage salary increments for faster goal achievement.

What returns should I expect from equity mutual funds?

Historically, equity mutual funds have delivered 12-15% annual returns over 10+ year periods. However, returns can be volatile in short term. For planning purposes, using 10-12% expected returns for long-term goals is reasonable and conservative.

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