Dream Home Calculator
Plan for your dream home by estimating the future cost and required monthly savings.
Your inputs
Your estimate
Estimated Cost in 5 Yrs
₹66,91,128
Required Monthly SIP
₹81,118
Estimates use your inputs and assumed returns. Actual returns vary and are not guaranteed.
Quick answer
This calculator estimates a home’s future price and the SIP to fund it. A ₹50 lakh home today costs about ₹66.91 lakh in 5 years at 6% inflation, or about ₹81,118 a month at an assumed 12%. Most buyers save only the down payment and borrow the rest.
About the Dream Home calculator
Owning a home is a milestone. Plan your down payment and EMI strategy by estimating the future price of your dream property.
What is the formula?
Future cost = cost today × (1 + inflation)ʸ. Required SIP = future cost ÷ {[((1 + i)ⁿ − 1) ÷ i] × (1 + i)}.
Worked example
A 20% down payment on that ₹66.91 lakh home is about ₹13.38 lakh, which takes roughly ₹16,224 a month for 5 years at an assumed 12%. Use the EMI calculator to size the loan.
Frequently asked questions
Should I save the full home price?
Most buyers save the down payment and take a home loan for the rest. Enter your down payment as the cost to find the SIP for that amount.
Is equity suitable for a home goal under 5 years away?
Short-term goals are usually better kept in lower-risk options, because equity can fall sharply just before you need the money.
Related guides
Reviewed by Vikas Gupta, AMFI-registered Mutual Fund Distributor (ARN-178652). Last updated . Mutual fund investments are subject to market risks, read all scheme related documents carefully. Mutual fund distribution by Korlipara Vikas Gupta, AMFI-registered Mutual Fund Distributor, ARN-178652. Distributors earn commission from fund houses on regular plans. Content and calculators on this site are for education, not personalised investment advice. Illustrations use assumed returns, which are not guaranteed.