Rent vs Buy Calculator

Make a data-driven decision — rent or buy your home

Rent vs Buy Calculator

Property Value₹75.00 Lakh

₹

Current market value of the property

Down Payment (%)

10%20%50%

Loan Interest Rate (%)

6%8.5%12%

Loan Tenure (Years)

5 yrs20 yrs30 yrs

Monthly Rent

₹

Current monthly rent you pay

Annual Rent Increase (%)

0%5.0%15%

Property Appreciation (%)

0%6.0%15%

Investment Return (%)

4%10.0%15%

Time Horizon (Years)

5 yrs20 yrs30 yrs

Analysis Results

Renting is better by ₹7.63 Lakh over 20 years

Break-even year: 10

Down Payment

₹15,00,000

20% of property value

Loan Amount

₹60,00,000

Principal borrowed

EMI

₹52,069

Monthly installment

Buy Total Cost

₹1,59,46,560

Total outflow if buying

Rent Total Cost

₹99,19,786

Total rent paid

Buy Net Worth

₹2,40,53,269

Property equity after {timeHorizon} years

Rent Net Worth

₹2,48,16,502

Invested savings value

Difference

₹7,63,233

Renting wins

Net Worth Comparison Over Time

Factors to Consider

Buying Advantages

• Property appreciation over time
• Tax benefits on home loan (Sec 80C, 24b)
• Forced savings through EMI
• Emotional security & stability
• Can modify/renovate as you wish

Renting Advantages

• Lower monthly outflow typically
• Flexibility to relocate
• Can invest savings for higher returns
• No maintenance responsibility
• No market risk on property value

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