Plot vs Flat Investment Comparison Calculator
Compare buying a plot vs a flat with the same money: appreciation, rental income, maintenance and building depreciation.
Inputs
₹
₹ 50 Lakh
years
Plot
% p.a.
₹
₹ 10 Thousand
Flat
%
% p.a.
%
% p.a.
%
% p.a.
₹/ month
₹ 3 Thousand
Plot comes out ahead by
₹25,09,137
after 10 years on ₹50 L
Plot — final worth
₹1.17 Cr
8.88% a year effective
Flat — final worth (incl. net rent)
₹92.02 L
6.29% a year effective
Wealth over time
Plot
- Market value
- ₹1,18,36,818
- Holding costs paid
- − ₹1,25,779
- Net worth
- ₹1,17,11,039
Flat
- Market value
- ₹77,68,023
- Rent received
- + ₹18,86,684
- Maintenance paid
- − ₹4,52,804
- Net worth
- ₹92,01,903
How this calculator works
Land typically appreciates faster and needs little upkeep; flats earn rent but pay maintenance and the building depreciates, so only the land share of a flat appreciates at the land rate. The comparison adds rent received (after maintenance) to each option’s final value.