Rent vs Buy Calculator
Should you rent or buy? Compare 10-year net worth under both scenarios.
Inputs
Buy
Better₹1,62,88,946
Down Payment
₹20,00,000
Total Paid
₹1,03,31,103
Property Value
₹1,62,88,946
Rent + Invest
₹1,37,15,095
Total Invested
₹53,57,182
Investment Value
₹1,37,15,095
Verdict
After 10 years, buying results in higher net worth.
Rent vs Buy — the honest math
The buying-is-always-better argument ignores opportunity cost. If you rent cheaply and invest the down payment + EMI-rent difference at 12%, you may end up with more net worth than a home buyer. The verdict depends on: property appreciation rate, rental yield in your city, investment returns, and how long you stay. Bangalore/Pune rental yields ~2-3% favour renting; tier-2 cities with 4-5% favour buying.
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