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
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.
Frequently Asked Questions
Are the TerraNexxus calculators free to use?
Yes — every calculator and tool on TerraNexxus is completely free to use, with no sign-up or login required.
How accurate are these property and loan calculators?
They use standard, widely-accepted formulas to give a close estimate. For exact figures (loan eligibility, EMI, stamp duty, tax), always confirm with your bank, lender or a qualified financial advisor.
Do the calculators work on mobile?
Yes, all tools are fully responsive and work smoothly on mobile, tablet and desktop browsers.
Is the data I enter stored or shared?
No. Calculations run entirely in your browser — TerraNexxus does not store, track or share the values you enter.