Wealth Simulator
Will this property make you money? Test the scenarios.
Instead of one rosy projection, see a bear, base and bull case side by side against a fixed deposit — with every assumption on the table.
Under your assumptions · scenarios, not a forecast
Base case is close to a 7% FD
Yearly return on your own money: bear 0.7% · base 6.9% · bull 11.9%
In plain words: in the base case it does about as well as an FD — buy it to live in, not purely as an investment.
What your home could be worth
Shaded bands show the spread of assumed-growth scenarios — not calibrated oddsBear case in 10 yrs
₹2.05 Cr
Base case in 10 yrs
₹2.76 Cr
Bull case in 10 yrs
₹3.63 Cr
Bear case · yearly return
0.7%
levered, on your own cash
Base case · yearly return
6.9%
levered, on your own cash
Bull case · yearly return
11.9%
levered, on your own cash
Assumptions used
9.2%/yr area growth · 3.4% rent yield
AlphaDesk area estimates for Whitefield — change the area or inputs to test them. Not guaranteed.
How the simulator works
- Each year's price change is drawn at random around 6.4% — a cautious 70% of Whitefield's recent 9.2% growth — with 8% volatility (higher in less liquid areas).
- Includes ~8% purchase costs, EMIs, 0.4% of price a year in upkeep, and rent starting at 3.4% of price (growing 5%/yr, minus 15% for vacancy and costs).
- Return (IRR) is calculated on every rupee you put in and take out, including the sale after 10 years at 2% selling cost.
- It shows a range of possibilities, not a forecast. Past growth doesn't guarantee future growth.
The AlphaDesk principle
Don't buy a dream. Test the numbers.
Bear, base and bull cases before you sign a 20-year loan.
Instead of one rosy projection, it shows a bear, base and bull case for your home — with every assumption visible — next to a simple fixed deposit. Scenarios, not a forecast.
- 1Pick the area and enter your price and down payment
- 2Choose how long you'll hold and whether you'll live in it or rent it out
- 3Read the bear, base and bull outcomes against an FD — with the assumptions shown
▸ See a real example
A ₹1.5 Cr Whitefield flat held 10 years and rented out beats a 7% FD in roughly half the futures — a good home to live in, not a guaranteed investment.