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
How does the rent vs buy calculator compare the two?
It adds up the down payment, the EMIs paid and the loan still owed over your stay, subtracts the property’s projected value at the end, and compares that net cost of buying with the total rent you would pay over the same period, with rent rising each year.
Is buying always better than renting in the long run?
Not necessarily. The answer depends on prices, rent levels, interest rates, appreciation and how long you stay. Change the assumptions to see where the balance tips for you.
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.