Free Calculator

Rent vs Buy Calculator

Compare whether renting and investing the difference beats buying a home over a 10-year horizon. Accounts for EMI, appreciation, maintenance, and investment returns.

Calculator Inputs

Rent Scenario

Monthly Rent

₹

₹5,000₹2,00,000

Annual Rent Increase

0%20%

Investment Return Rate

6%20%

Buy Scenario

Property Price

₹

₹10,00,000₹5,00,00,000

Down Payment

10%50%

Home Loan Rate

6%15%

Loan Tenure

5 Yr30 Yr

Property Appreciation

2%15%

Annual Maintenance + Tax

0.5%3%

Net Worth Comparison Over 10 Years

Results

After 10 Years

RENTING is better by ₹68,11,069

Rent Net Worth

₹1,52,30,873

Buy Net Worth

₹84,19,804