Buy vs Rent Calculator
Is buying actually better than renting and investing the difference?
Property & Loan
₹60,00,000
20%
8.5%
20 Years
₹3,000
Maintenance, society charges, property tax averaged monthly
Rent & Investment
₹20,000
Rent for a similar home in the same area
5%
12%
7%
BUY
Monthly Cost
₹44,656
EMI + Maintenance
Property Value at end
₹2,32,18,107
Total Paid
₹1,19,17,324
Net Worth
₹2,32,18,107
RENT + INVEST
Monthly Cost
₹20,000
increases 5% yearly
Monthly SIP
₹24,656
SIP Corpus at end
₹2,69,98,465
Total Rent Paid
₹79,35,829
Net Worth
₹2,69,98,465
Renting + Investing wins by ₹37,80,358 after 20 years
Buying gives you a home you own. Renting gives you flexibility and liquidity. The right choice depends on more than just numbers.
Rent + Invest overtakes Buying at year 12