🏠 Free to simulate · Detailed report ₹99

Should you buy that property or invest the money?

Get an honest, numbers-first answer in 5 minutes. No jargon. No agenda. Just your numbers, run honestly — so you can decide with confidence.

No login · No account · Free basic analysis · ₹99 for full report

Sample result — ₹1.2 Cr apartment, Bangalore

20-year horizon · ₹10L/yr extra repayment · SIP alternative

Monthly loan payment
₹82,450/mo
Out of pocket (after rent)
₹57,450/mo
Property net worth at year 20
₹3.84 Cr
If you invest instead
₹3.21 Cr
🏠 Buying wins by ₹63L at year 20 — extra repayments paid off loan 6 years early
🌍 8 countries supported
🔒 Secure payments via Razorpay
📱 Report delivered on WhatsApp
⚖️ Not financial advice — honest maths
♻️ Restore session within 24 hours

Who it's for

Whoever is asking the question

Whether you're buying your first home or your third investment property, the question is the same. Should I buy, or is my money better invested?

🏡

First-time home buyers

You're currently renting and wondering if it's the right time to buy. We show you exactly how much rent you'd save vs what you'd pay — and whether the long-term wealth math works in your favour.

Rent saved vs EMISection 80C tax benefitsReal monthly outflow
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Property investors

You already have a home and you're thinking about a second property as an investment. We factor in rental yield, vacancy, tax on rental income, and compare it honestly against putting that capital to work in the market.

Rental yield analysisTax on rental incomeVacancy impact
✈️

NRIs deciding from abroad

You're earning abroad and considering buying property back home. We support 8 countries and currencies, factor in appreciation rates for Indian metros, and account for the real costs of owning from a distance.

Multi-currency supportIndian metro ratesBuilder delay risk

How it works

From numbers to clarity in 4 steps

No jargon, no hidden assumptions. You control every input. We do the maths honestly.

1

Enter your property details

Property price, down payment, loan rate, and rental income — all via plain-English sliders with sub-labels explaining each one.

2

Set your assumptions

Property appreciation, investment returns, tax benefits, stamp duty, capital gains tax — every variable you can think of.

3

See your free verdict

A clear chart and verdict showing who wins and by how much. No login or payment needed for the basic result.

4

Unlock the full analysis

₹99 for 24 hours. Full year-by-year table, sensitivity analysis, tax breakdown, and a PDF report on WhatsApp.

What makes it honest

We don't cut corners on the maths

Most property calculators ignore the costs that matter most. We include everything.

📊

Stamp duty, GST, and registration

The upfront costs most people forget — factored in from day one so the comparison is honest.

🏛️

Capital gains tax on exit

When you sell, you don't keep it all. We deduct CGT and agent fees from the final property net worth.

💸

Rental income tax and vacancy

Rental income is taxed at your slab rate. And properties sit empty 1–2 months a year. Both are modelled.

Extra loan repayments

See exactly how paying extra each year shortens your loan and boosts net worth — with the same amount invested in Scenario B for a fair comparison.

📉

Floating rate risk

Model what happens when your home loan rate rises after year 3 — a real risk for floating rate borrowers.

🏢

Apartment-specific costs

Society charges, sinking fund, builder delay cost, and building depreciation — all included for apartment buyers.

🧾

Home loan tax benefits

Section 24(b) interest deduction and Section 80C principal deduction calculated year by year for Indian buyers.

📐

Inflation-adjusted real values

We show both nominal and real (today's money) values so you're comparing like with like.

🌍

8 countries and currencies

India, USA, UK, UAE, Singapore, Australia, Canada, Germany — with local market rate defaults for each.

What people say

Real decisions, real clarity

I was about to sign on a ₹1.2 crore flat. This tool showed me investing would give me ₹40L more over 15 years. I needed that clarity before committing.

P
Priya S.
Software engineer · Bangalore

The stamp duty and CGT calculations alone are worth it. Every other tool I tried ignored these completely. This is the first honest one I've found.

A
Arjun M.
Product manager · Mumbai

I'm an NRI and was considering buying a flat in Hyderabad. The builder delay slider was an eye-opener — I had no idea how much that extra rent during construction adds up.

D
Deepa R.
Business analyst · Dubai

✦ Placeholder testimonials — replace with real user feedback before launch

Pricing

Simple and honest

The basic simulation is always free. Pay only when you want the full detailed analysis — and only for 24 hours at a time.

Free — always
₹0
No login, no card needed
  • Net worth chart — all 3 scenarios
  • Summary cards — EMI, outflow, final values
  • Verdict — who wins and by how much
  • Smart warnings and flags
  • First 5 years of the year-by-year table
Start for free →
Full analysis — 24 hours
₹99
One-time · 24-hour session
  • Everything in free, plus:
  • Full year-by-year table — all years
  • Sensitivity analysis — 4 scenario sets
  • Complete cost breakdown
  • Tax savings year by year
  • PDF report with reference number
  • Delivered to your WhatsApp
  • Restore session within 24 hours
Unlock for ₹99 →

Common questions

Things people ask

Is this financial advice?+
No. OwnOrInvest is a calculation tool, not a financial adviser. It shows you the mathematical outcome of the numbers you enter — based entirely on your assumptions. We are not registered with SEBI as investment advisers. Before making a decision of this size, please consult a qualified financial adviser or Chartered Accountant.
What does ₹99 get me?+
A 24-hour session with full access — complete year-by-year table, sensitivity analysis across 4 scenario sets, tax savings breakdown, full cost accounting, and a PDF report delivered to your WhatsApp. You can adjust sliders and regenerate as many times as you want within 24 hours.
What if I close the browser and come back later?+
Enter the same WhatsApp number you used when paying. We will recognise your session and restore full access for the remaining time — on any device, no login needed.
Will you share my data with banks?+
No. After your report is delivered, we may show you an optional offer to connect with a home loan specialist. We only share your details with a named partner if you explicitly choose to and click consent on a separate screen. We never share data without your clear, separate permission.
Which countries are supported?+
India, USA, UK, UAE, Singapore, Australia, Canada, and Germany. Each country has pre-filled defaults for typical loan rates, property appreciation, investment returns, and tax rules — all fully adjustable.
How accurate are the results?+
The results are only as accurate as your inputs. The maths is correct — but property appreciation, rental growth, and investment returns are assumptions you set, not predictions. We show you inflation-adjusted real values alongside nominal figures so you can see the difference.

Stop guessing. Start knowing.

It takes 5 minutes. It's free to start. And it might save you from a decision you'd regret for 20 years.

Run my simulation — free →

No login · No account · Free basic analysis · ₹99 for the full report