Rent vs Buy Calculator
Make an informed decision between renting and buying property. Compare costs, analyze investments, and understand the long-term financial impact.
Property Cost Analysis
Compare the total cost of buying vs renting over your desired time period
EMI Calculations
Get detailed monthly EMI breakdowns including principal and interest components
Investment Analysis
See how your money could grow if invested instead of locked in property
Tax Benefits
Calculate tax savings from home loan interest and principal repayment
Compare Rent vs Buy
Enter property details to analyze your options
Analysis Results
Rent vs Buy Comparison
Final Verdict
Based on your inputs and comprehensive financial analysis
Key Advantages
- •Potential to earn ₹4,73,06,553 through alternative investments
- •No property maintenance and tax burden (₹12,500 monthly)
- •Greater flexibility and mobility
Key Considerations
- •Need to invest the difference consistently at 12% returns
- •Consider rent agreements with fixed increase clauses
- •May miss out on exceptional property appreciation
This verdict is based on purely financial factors. Consider your personal circumstances, long-term plans, and emotional value of homeownership in your final decision.
Monthly Cost Comparison
Compare your monthly expenses in both scenarios
Buying Scenario
69,426
4,167
8,333
2,000
83,926
Renting Scenario
30,000
Growing at 5% per year
39,426
Difference between EMI and rent that could be invested
Down Payment
Initial investment needed
20,00,000
Total Interest Cost
Over 20 years
86,62,206
Total Cost of Buying
Including bank interest
1,86,62,206
Property Value Growth
Expected appreciation
2,52,69,502
Opportunity Cost Analysis
Potential returns if the money was invested instead at 12% annual return
Down Payment Opportunity
20,00,000
1,92,92,586
1,72,92,586
Returns you could have earned by investing the down payment
EMI vs Rent Difference
39,426
Extra amount paid for EMI compared to rent
3,00,13,967
Potential returns if the monthly difference was invested
Total Opportunity Cost
Total potential returns foregone by choosing to buy
4,73,06,553
Investment Strategy Comparison
Compare how your money could grow across different investment options over 20 years
Down Payment Investment
Initial ₹20,00,000
Property
5% appreciation
53,06,595
Market Investment
12% returns
1,92,92,586
Fixed Deposit
6% returns
64,14,271
Gold
8% returns
93,21,914
Monthly Surplus Investment
Monthly ₹39,426
Property EMI
Building equity
80,00,000
Loan principal repayment
Market Investment
12% returns
3,00,13,967
Monthly investment growth
Fixed Deposit
6% returns
1,74,03,642
Monthly investment growth
Gold
8% returns
2,16,50,457
Monthly investment growth
Total Wealth Creation
Combined growth of initial and monthly investments
Property
Asset Value
2,52,69,502
Market Investment
12% returns
4,93,06,553
Total investment value
Fixed Deposit
6% returns
2,38,17,913
Total investment value
Gold
8% returns
3,09,72,371
Total investment value
Year by Year Analysis
Cost Progression Over Time
Year 1
Renting Scenario
3,60,000
Monthly: 30,000
0
If monthly savings were invested at 12%
Buying Scenario
8,33,110
Monthly: 69,426
1,00,00,000
0.0% growth
50,000
1,00,000
0
Total returns foregone by choosing to buy
Year 2
Renting Scenario
3,78,000
Monthly: 31,500
3,60,000
If monthly savings were invested at 12%
Buying Scenario
8,33,110
Monthly: 69,426
1,05,00,000
5.0% growth
52,500
1,05,000
7,13,110
Total returns foregone by choosing to buy
Year 3
Renting Scenario
3,96,900
Monthly: 33,075
7,63,200
If monthly savings were invested at 12%
Buying Scenario
8,33,110
Monthly: 69,426
1,10,25,000
10.3% growth
55,125
1,10,250
15,11,794
Total returns foregone by choosing to buy
Year 4
Renting Scenario
4,16,745
Monthly: 34,729
12,14,784
If monthly savings were invested at 12%
Buying Scenario
8,33,110
Monthly: 69,426
1,15,76,250
15.8% growth
57,881
1,15,763
24,06,319
Total returns foregone by choosing to buy
Year 5
Renting Scenario
4,37,582
Monthly: 36,465
17,20,558
If monthly savings were invested at 12%
Buying Scenario
8,33,110
Monthly: 69,426
1,21,55,063
21.6% growth
60,775
1,21,551
34,08,188
Total returns foregone by choosing to buy
Year 6
Renting Scenario
4,59,461
Monthly: 38,288
22,87,025
If monthly savings were invested at 12%
Buying Scenario
8,33,110
Monthly: 69,426
1,27,62,816
27.6% growth
63,814
1,27,628
45,30,281
Total returns foregone by choosing to buy
Year 7
Renting Scenario
4,82,434
Monthly: 40,203
29,21,468
If monthly savings were invested at 12%
Buying Scenario
8,33,110
Monthly: 69,426
1,34,00,956
34.0% growth
67,005
1,34,010
57,87,025
Total returns foregone by choosing to buy
Year 8
Renting Scenario
5,06,556
Monthly: 42,213
36,32,044
If monthly savings were invested at 12%
Buying Scenario
8,33,110
Monthly: 69,426
1,40,71,004
40.7% growth
70,355
1,40,710
71,94,578
Total returns foregone by choosing to buy
Year 9
Renting Scenario
5,31,884
Monthly: 44,324
44,27,890
If monthly savings were invested at 12%
Buying Scenario
8,33,110
Monthly: 69,426
1,47,74,554
47.7% growth
73,873
1,47,746
87,71,038
Total returns foregone by choosing to buy
Year 10
Renting Scenario
5,58,478
Monthly: 46,540
53,19,236
If monthly savings were invested at 12%
Buying Scenario
8,33,110
Monthly: 69,426
1,55,13,282
55.1% growth
77,566
1,55,133
1,05,36,673
Total returns foregone by choosing to buy
Year 11
Renting Scenario
5,86,402
Monthly: 48,867
63,17,545
If monthly savings were invested at 12%
Buying Scenario
8,33,110
Monthly: 69,426
1,62,88,946
62.9% growth
81,445
1,62,889
1,25,14,184
Total returns foregone by choosing to buy
Year 12
Renting Scenario
6,15,722
Monthly: 51,310
74,35,650
If monthly savings were invested at 12%
Buying Scenario
8,33,110
Monthly: 69,426
1,71,03,394
71.0% growth
85,517
1,71,034
1,47,28,996
Total returns foregone by choosing to buy
Year 13
Renting Scenario
6,46,508
Monthly: 53,876
86,87,928
If monthly savings were invested at 12%
Buying Scenario
8,33,110
Monthly: 69,426
1,79,58,563
79.6% growth
89,793
1,79,586
1,72,09,586
Total returns foregone by choosing to buy
Year 14
Renting Scenario
6,78,834
Monthly: 56,569
1,00,90,479
If monthly savings were invested at 12%
Buying Scenario
8,33,110
Monthly: 69,426
1,88,56,491
88.6% growth
94,282
1,88,565
1,99,87,847
Total returns foregone by choosing to buy
Year 15
Renting Scenario
7,12,775
Monthly: 59,398
1,16,61,337
If monthly savings were invested at 12%
Buying Scenario
8,33,110
Monthly: 69,426
1,97,99,316
98.0% growth
98,997
1,97,993
2,30,99,499
Total returns foregone by choosing to buy
Year 16
Renting Scenario
7,48,414
Monthly: 62,368
1,34,20,697
If monthly savings were invested at 12%
Buying Scenario
8,33,110
Monthly: 69,426
2,07,89,282
107.9% growth
1,03,946
2,07,893
2,65,84,549
Total returns foregone by choosing to buy
Year 17
Renting Scenario
7,85,835
Monthly: 65,486
1,53,91,181
If monthly savings were invested at 12%
Buying Scenario
8,33,110
Monthly: 69,426
2,18,28,746
118.3% growth
1,09,144
2,18,287
3,04,87,805
Total returns foregone by choosing to buy
Year 18
Renting Scenario
8,25,127
Monthly: 68,761
1,75,98,123
If monthly savings were invested at 12%
Buying Scenario
8,33,110
Monthly: 69,426
2,29,20,183
129.2% growth
1,14,601
2,29,202
3,48,59,452
Total returns foregone by choosing to buy
Year 19
Renting Scenario
8,66,383
Monthly: 72,199
2,00,69,897
If monthly savings were invested at 12%
Buying Scenario
8,33,110
Monthly: 69,426
2,40,66,192
140.7% growth
1,20,331
2,40,662
3,97,55,696
Total returns foregone by choosing to buy
Year 20
Renting Scenario
9,09,702
Monthly: 75,809
2,28,38,285
If monthly savings were invested at 12%
Buying Scenario
8,33,110
Monthly: 69,426
2,52,69,502
152.7% growth
1,26,348
2,52,695
4,52,39,490
Total returns foregone by choosing to buy
Smart Analysis
Make an informed property decision
Compare all aspects of renting vs buying to make the best financial decision for your situation
Property Cost Analysis
Compare the total cost of buying vs renting over your desired time period
EMI Calculations
Get detailed monthly EMI breakdowns including principal and interest components
Investment Analysis
See how your money could grow if invested instead of locked in property
Tax Benefits
Calculate tax savings from home loan interest and principal repayment