Rent vs Buy Calculator
Renting is not “throwing money away” and buying is not always the win — it depends on your numbers. This compares the wealth you would have after your time horizon either way: the buyer's home equity, versus a renter who invests the down payment and the monthly difference.
Assumes 7% one-time buying cost and 1%/yr upkeep & tax on the price.
EMI would be about Rs 55,541/month.
Buyer's home would be worth Rs 1,43,26,782, less Rs 44,79,605 loan still owed.
Indicative only — assumptions drive the answer. Appreciation, rent growth and investment returns are guesses about the future, not guarantees; buying also brings stability, forced saving and intangibles this model can't price. Treat the result as one input, not financial advice — and consult a financial planner for a decision this size.
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