Rent + invest · net assets
₹1,54,05,675PERSONAL FINANCE WITH MORE CLARITY
Rent vs buy simulator
Compare renting and buying with equal upfront money and monthly budgets, including EMI, upkeep, property appreciation and invested savings.
Buy · net assets
₹1,14,12,278Sale proceeds less loan + invested monthly savingsBuying minus renting
-₹39,93,397Positive favours buying financially under these assumptionsHome-loan EMI
₹55,541FOLLOW THE NUMBERS
See what changes
Both paths use equal upfront money and the same monthly budget. The renter invests the down payment and buying costs. Each month the cheaper path invests the difference in housing outflows.
Read this with your result
Use an investment return after assumed taxes and fees. Property-sale tax, home-loan tax benefits, rental deposits, renovation and personal preferences are excluded. Upkeep includes your assumed maintenance and recurring property costs.
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Illustrative results only. Rates shown are user-selected assumptions, not product quotes or forecasts. Actual outcomes depend on markets, cash flows, costs and your circumstances.
BEHIND THE NUMBERS
How this calculation works
The renter initially invests the buyer’s down payment plus buying costs. Each month, both paths have the larger of rent and ownership outflow available. The cheaper path invests the difference, ensuring equal external cash budgets.
Ownership outflow is EMI plus assumed upkeep on the changing property value. Loan interest uses the monthly reducing balance. After loan repayment, the buyer can invest the resulting monthly difference.
Buyer’s net assets = home sale value less selling costs and outstanding loan, plus the buyer’s investments. Rent rises after each 12 months. Property appreciation and investment returns compound monthly.
This comparison excludes property capital-gains taxes, home-loan tax deductions, rental deposits and renovation. Lifestyle, mobility and housing security are outside the numerical result.
A FEW USEFUL ANSWERS
Before you make a plan
No. The renter invests the money that the buyer uses upfront, and both paths use the same monthly budget. Any lower monthly housing cost is invested by that path.
Not necessarily. Compare net equity after outstanding debt and sale costs with the renter’s invested assets, using realistic appreciation and rent assumptions.
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