Buying vs Renting Calculator
Settle the debate. See exactly which option builds a higher net worth by comparing EMIs and Property Growth against lower Rents and Equity Compounding.
Buy Scenario
Rent Scenario
The Verdict over 10 Years
Renting Wins.
By renting, your net worth will be ₹23,74,296 higher at the end of year 10.
Net Worth Comparison
Buying Metrics
Renting Metrics
Net Worth Projection over Time
Frequently Asked Questions
Why does Renting sometimes win?
When you rent, you don't pay a huge downpayment. If you invest that downpayment (and the monthly difference between an EMI and your rent) into a high-yielding asset like Equity Mutual Funds (10-12%), that compounded growth often outpaces property appreciation.
Doesn't buying mean I own an asset while rent is 'wasted' money?
Yes, but buying also includes 'wasted' money in the form of home loan interest, property taxes, and maintenance over 20 years. This calculator weighs the 'wasted money' of renting against the 'wasted money' of buying.
What qualitative factors should I consider?
Math isn't everything. Buying provides emotional security, stability, and freedom to modify the house. Renting provides extreme flexibility, lower upfront costs, and the ability to easily move for career opportunities.