Rent vs Buy Calculator
Should you buy a home or keep renting? See the true financial comparison over any time period.
If You Buy
₹60.00 L
₹12.00 L
8.75%
20 years
If You Rent
₹25,000
5%
Assumptions
10 years
8%
After 10 years...
🏘️
Renting wins!
by ₹13.03 L
Net cost of buying₹-11,18,766.466
Net cost of renting₹-24,21,616.499
Your EMI would be₹42,418/mo
🏠 Buying Breakdown
Down payment₹12.00 L
Stamp duty (~6%)₹3.60 L
EMI × 120 months₹50.90 L
Maintenance₹6.00 L
Property value now₹1.30 Cr
Equity built₹95.69 L
🏘️ Renting Breakdown
Total rent paid₹37.73 L
Down pmt invested₹73.95 L
Monthly savings₹17,418/mo
Assumes 12% annual return on invested savings (Nifty 50 CAGR)
💡 Key insight
At current rent of ₹25,000/mo, renting and investing the difference gives better returns over 10 years. If property grows faster or rent rises more, buying could win.