⚖️

Rent vs Buy Calculator

Compare 10-year wealth outcomes side-by-side.

Property & Loan

Property Value (₹)

Down Payment (₹)

Loan Interest Rate (%)

Loan Tenure (years)

Comparison Horizon (years)

Property Appreciation (%/yr)

Maintenance (%/yr)

Property Tax (%/yr)

Rent & Investment

Current Rent (₹/mo)

Rent Hike (%/yr)

Alt. Investment Return (%/yr)

Your Loan EMI

₹39,052/mo

If you BUY

-₹1,62,600

Net wealth after 10 years

Property value: ₹97,73,368

Loan outstanding: ₹31,49,722

Total EMI paid: ₹46,86,245

Maintenance + Tax: ₹6,00,000

Equity built: ₹66,23,646

If you RENT + INVEST

₹26,04,737

Investment balance net of total rent paid

Investment balance: ₹69,50,706

Total rent paid: ₹43,45,969

Verdict over 10 years

Rent + Invest is ahead

Difference: ₹27,67,337

Caveats:This is a financial-only comparison. It excludes lifestyle factors (stability, flexibility, freedom), forced savings discipline of EMI, and selling costs (brokerage, capital gains tax). Property as a primary residence has emotional/security value that doesn't appear in spreadsheets.

Want personalised guidance?

Our advisors will call you back — free, no commitment.