Rent vs Buy Calculator

Compare the financial impact of renting versus buying a home.

Property Price (₹)

Down Payment (₹)

Loan Rate: 8.5%

Loan Tenure: 20 years

Property Appreciation: 5%

Monthly Rent (₹)

Annual Rent Increase: 5%

Monthly Maintenance (₹)

Investment Return: 12%

If renting, down payment is invested

How Long Will You Stay: 10 years

Recommendation

Renting is Better

By ₹50.49 L over 10 years

Monthly Rent (Year 1)₹25,000

Total Rent Paid₹37.73 L

Investment Value₹1.14 Cr

Net Position₹76.15 L

Monthly EMI₹55,541

Property Value₹1.30 Cr

Loan Balance₹32.00 L

Net Equity₹98.31 L

Renting

₹25,000/mo

Buying (EMI + Maintenance)

₹60,541/mo

Year	Rent Cost	Buy Cost	Property Value	Net Equity
1	₹3.00 L	₹7.26 L	₹84.00 L	₹23.20 L
2	₹3.15 L	₹7.26 L	₹88.20 L	₹30.60 L
3	₹3.31 L	₹7.26 L	₹92.61 L	₹38.21 L
4	₹3.47 L	₹7.26 L	₹97.24 L	₹46.04 L
5	₹3.65 L	₹7.26 L	₹1.02 Cr	₹54.10 L
6	₹3.83 L	₹7.26 L	₹1.07 Cr	₹62.41 L
7	₹4.02 L	₹7.26 L	₹1.13 Cr	₹70.97 L
8	₹4.22 L	₹7.26 L	₹1.18 Cr	₹79.80 L
9	₹4.43 L	₹7.26 L	₹1.24 Cr	₹88.91 L
10	₹4.65 L	₹7.26 L	₹1.30 Cr	₹98.31 L

Key Considerations