Rent vs Buy Calculator (India)

Compare renting vs buying over your chosen time horizon. This tool models loan amortization, property appreciation, rent escalation, maintenance, and investment growth to estimate which option builds higher net worth and when buying may break even.

Property & Financing
Rent & Investing
Notes:
  • Rent scenario invests the avoided down payment and purchase costs upfront, and invests yearly surplus if renting is cheaper than owning.
  • Buy scenario net worth reflects equity if sold (after subtracting selling/exit costs).
  • Loan amortization is simulated monthly; other cash flows are annual.
Summary
Recommendation
Break-even Year
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Net Worth at Horizon (Buy)
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Net Worth at Horizon (Rent + Invest)
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Net worth values assume a sale at the end of each year for comparability (selling/exit costs applied).
Net Worth Over Time

Year-wise Breakdown

Year Property Value (₹) Outstanding Loan (₹) Buy Net Worth if Sold (₹) Annual Rent Paid (₹) Invested Corpus (₹)

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