Renting is often dismissed as wasting money, while buying is seen as building equity. However, buying incurs high transaction fees, property taxes, interest costs, and maintenance. Compare both paths to see the true winner.
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/Rent vs Buy Decision
Rent vs Buy Decision
Compare financial outcomes of renting a property vs. buying with a mortgage over 30 years.
Rent vs Buy Decision
Renting Rates
Buying Rates
Calculation Output
OPTIMAL SELECTION
Renting portfolio Worth₹0
Buying Property Asset Value₹0
What is a Rent vs Buy Decision?
Compare the long-term financial costs of renting a home against buying a property to decide which path makes sense for you.
How to Use This Calculator
- Enter your primary figure—such as your gross salary, product price, or target investment amount—into the base input field.
- Adjust the sliders or type numbers directly into the fields to specify parameters like interest rates and tenure duration.
- Enter any additional applicable values, such as tax-saving deductions, extra fees, or custom contribution percentages.
- Review the instant breakdown results, evaluate the visual compounding charts, and download the full breakdown as a PDF report.
Example Calculation: Repayment Example (Loans & Mortgages)
This table shows a realistic example calculation based on standard parameters. Enter your custom numbers in the sliders above to compare results.
| Parameter | Sample Value |
|---|---|
| Property / Loan Principal | ₹50,00,000 |
| Down Payment / Deposit | ₹10,00,000 |
| Annual Interest Rate | 8.5% |
| Repayment Tenure | 20 Years (240 Months) |
| Computed Monthly EMI | ₹34,713 |
Rent vs Buy: The Ultimate Financial Duel
Mathematical Formula:
Computes rent cash outflows invested vs buying down payments, mortgage EMIs, maintenance, and final home asset values over a 30-year span