Rent vs Buy Calculator

Compare the long-term wealth outcomes of renting a house and investing your savings versus buying a home with a loan in the Indian context.

Property & Purchase Details

Property Cost (Market Value)

₹10 L₹3 Cr

Down Payment (%)

20%

10%50%

Stamp Duty & Registration

6.00%

3%10%

Home Loan Interest Rate

8.50%

6%15%

Loan Tenure (Years)

20 Years

5 Yrs30 Yrs

Annual Loan Prepayment

₹0

₹0₹10 Lakhs

Expected Property Growth / Yr

6.00%

2%15%

Maintenance & Property Tax / Yr

0.50%

0.0%3.0%

Renting & Investment Details

Current Monthly Rent

₹5,000₹1.5 L

Annual Rent Increase

8.00%

2%15%

Expected SIP/Stock Return / Yr

12.00%

0%20%

Comparison Period (Holding Yrs)

15 Years

1 Yr30 Yrs

Income Tax Bracket (Slab Rate)

Financial Comparison Results

🏡

Renting is Cheaper

Evaluating properties...

Buyer Net Worth

₹--

Renter Net Worth

₹--

Difference Margin

₹--

Final Property Value

₹--

Appreciated property equity

Renter Stock Portfolio

₹--

Grown opportunity investments

Net Buyer Payments

₹--

Downpayment, EMIs & maintenance (net of tax savings)

Net Rent Paid

₹--

Cumulative rent (net of HRA tax savings)

Net Wealth Growth Over Time

Annual Comparison Projections

Year	Property Value	Loan Balance	Buyer Net Worth	Annual Rent	Renter Net Worth