Rent vs Buy Calculator
See whether buying or renting leaves you wealthier over the years you plan to stay.
Over 10 years
Renting looks better
by about ₹24.62 L in net worth
Net worth if you buy
₹1.60 Cr
Net worth if you rent + invest
₹1.85 Cr
Buying breaks even
> 10 yrs
Your EMI
₹1.04 L/mo
Home value in 10 yrs₹2.44 Cr
Your equity then₹1.60 Cr
Total rent paid₹67.92 L
Both paths are compared fairly: the cheaper option each month invests the saved amount at your chosen return. Assumes rent rises 5% a year, one-time buying costs of 7% (stamp duty, registration, legal) and 1% a year upkeep. These are your assumptions, not a forecast — real returns, rents and prices vary. Use it to compare scenarios, not as financial advice.