Rent vs Buy Calculator
Compare the net cost of buying a home against renting over how long you plan to stay, factoring in EMIs and property appreciation.
Compare your options
₹80,00,000
%
₹16,00,000
%
EMI ₹55,541
yrs
20 years
₹25,000
%
5% per year
%
7% per year
yrs
10 years
Buying is cheaper by
₹67,66,092
Over 10 years
- Down payment
- ₹16,00,000
- EMIs paid (10 yrs)
- ₹66,64,882
- Loan still owed
- ₹44,79,605
- Property value then
- ₹1,57,37,211
- Net cost of buying
- -₹29,92,724
- Total rent paid
- ₹37,73,368
"Net cost of buying" = down payment + EMIs paid + loan still owed − the property's value at the end. A simplified model; it ignores tax benefits, security deposits and opportunity cost of the down payment.