Buy It or Invest It?
Every rupee you spend is a rupee that can't compound. See exactly what your purchase costs in future wealth — and what the same money would be worth if invested.
In 10 years, the same ₹1,00,000 is worth…
If You Buy
₹5,631
(resale value after 10yr)
Lost ₹94,369 to depreciation
If You Invest
₹3.1 L
at 12% annual return
+₹2.1 L growth
True Cost of Buying Your Purchase
₹3.1 L
= ₹1,00,000 purchase price + ₹2.1 L opportunity cost
55.2×
vs purchase resale
₹2.1 L
foregone wealth
Value over 10 years
If you invest ₹1,00,000 today at 12%, it grows to ₹3.1 L in 10 years.
The Your Purchase, meanwhile, would have a resale value of roughly ₹5,631.
This isn't a reason to never buy — it's a lens to see the real cost of every decision.
Calculation Assumptions
Results can differ across apps when compounding or contribution timing assumptions change.
- Investment growth compounds annually at the entered expected return rate for the full time horizon.
- Depreciation is modeled as a constant annual percentage decline based on the selected category.
- Opportunity cost is the future value of the investment minus the original purchase price; taxes and inflation are not modeled.