Rent vs. Buy Calculator
The rent vs. buy decision is one of the most consequential financial choices. Buying appears to build equity, but involves large upfront costs, interest, maintenance, and opportunity cost of capital. Renting preserves liquidity but offers no equity. This calculator computes the total 20-year cost of each option and compares final net wealth positions, accounting for property appreciation and investment returns on freed-up capital.
₹
₹10 L₹10 Cr
%
10%50%
%
6%14%
Y
5 Y30 Y
%
1%8%
₹
₹2 L₹25 L
%
2%15%
%
2%15%
₹
₹10 K₹2 L
%
2%15%
₹
₹10 K₹3 L
%
5%15%
Net Advantage
₹0
Monthly EMI₹0
Total Cost of Buying₹0
Property Value at End₹0
Net Cost of Owning₹0
Total Rent Paid₹0
Renting Investment Corpus₹0
Net Cost of Renting₹0
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