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Rent vs Buy Calculator

Buying

Property Value₹80,00,000
10,00,00010,00,00,000
Down Payment %20%
1050
Home Loan Rate8.5%
618
Loan Tenure20 yrs
530
Annual Appreciation7%
120

Renting

Monthly Rent₹25,000
5,0005,00,000
Annual Rent Growth5%
015
Verdict after 20 yearsBuying appears more cost-effectiveSaving: ₹2,53,87,497
Buy scenario
Monthly EMI₹55,541
Total outflow (loan + DP + tax/reg)₹1,54,89,765
Property value after 20 yrs₹3,09,57,476
Net cost (outflow − final value)₹1,54,67,711
Rent scenario
Total rent paid over 20 yrs₹99,19,786

Important Disclaimer

Results are estimates only and may vary based on property details, location, market conditions, lender requirements, taxes, fees, and other factors. This information is for general guidance and is not financial, legal, tax, or real estate advice. Please contact a qualified real estate professional for an accurate assessment.

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