Rent vs Buy Calculator

Compare the long-term wealth impact of renting vs buying for Indian home buyers, including EMI, rent escalation, appreciation, and investment returns.

Inputs

Property Price (INR)Current Monthly Rent (INR)Rent Increase (% p.a.)Down Payment (%)Loan Interest (% p.a.)Loan Tenure (Years)Comparison Horizon (Years)Property Appreciation (% p.a.)Maintenance (% of value p.a.)Investment Return (% p.a.)One-Time Buying Costs (INR)

Decision Summary

Recommendation

Rent

Renting and investing the difference is currently better.

Monthly EMI

₹41,656

Down Payment

₹12,00,000

Buyer Equity at Exit

₹73,85,383

Renter Corpus at Exit

₹83,99,660

Net Worth Difference (Buy - Rent)

-₹10,14,278

Effective Cost of Buying

₹2,12,865

Effective Cost of Renting

-₹48,25,244

This model compares wealth outcomes over your chosen horizon. Final decision should also consider job mobility, family needs, and tax treatment.