Rent vs Buy Calculator
Property & Loan Details
₹50L
20 years
₹25,000
5%
10 years
Lifestyle Costs
₹3,000
₹5,000
Investment Alternative
Include returns from investing saved rent
Assuming 12% annual return on investments made from down payment and monthly savings difference
Buy
Down Payment₹10L
Monthly EMI₹34,713
Maintenance + Tax₹6,250
Total Monthly₹40,963
Net Position (10Y)
₹22L
Property value: ₹81L
Rent
Monthly Rent₹25,000
Commute Difference₹3,000
Lifestyle Adjustment₹5,000
Total Monthly₹33,000
Net Position (10Y)
₹29L
With investment returns
Financial Recommendation
Renting with investment appears better by ₹7L over 10 years, assuming 12% investment returns.
This is purely financial. Consider emotional factors below for a complete decision.
Emotional & Lifestyle Factors
Check factors that matter to you. These are subjective and should weigh into your decision.