Rent vs Buy Calculator
Compare final net worth after appreciation, maintenance, and the opportunity cost of your down payment. Not just EMI vs rent.
Should you buy or rent?
See who ends richer after your chosen horizon.
In plain words
The buyer builds home equity. The renter invests the down payment and monthly savings when rent is cheaper than owning. We compare net worth at the end.
1. Property
The home you might buy
Average annual home value growth.
Upkeep, tax, and society charges as % of value.
2. Rent path
The rental alternative
Expected return if the renter invests the down payment and monthly savings.
3. Outcome
Renting wins
Renting + Investing is the smarter wealth move.
Wealth gap after 10 years: ₹22,62,451. Buyer EMI: ₹55,541/month.
Buyer net worth
₹85,51,552
Year 10
Renter net worth
₹1,08,14,004
Year 10
Wealth gap
₹22,62,451
Absolute difference
Buyer EMI
₹55,541
Monthly outgo
Buyer path
Renter path
Key takeaways
- Home value after 10 years: ₹1,30,31,157 (forced savings, less liquid).
- Extra costs above price over 10 years: ₹12,71,114 (interest + maintenance).
- Renting wins only if you invest ₹16,00,000 today and monthly savings at 10% p.a.
FAQ