Property
Rent vs Buy Calculator — Estimate in Seconds
Which leaves you wealthier after N years — owning, or renting and investing the difference.
₹1 Cr
₹5 L
₹1,00,00,000
₹50 Cr
₹1,000
₹30,000
₹50 L
₹25 L
₹0
₹25,00,000
₹20 Cr
5
8.5%
15
1
10 years
30
0
6%
20
0
12%
25
0
7%
20
Renting is ahead by
₹2,72,13,430
- Buy24%
- Rent & invest76%
- Net worth if you buy
- ₹1,26,58,940
- Net worth if you rent & invest
- ₹3,98,72,370
- EMI
- ₹65,087
- Total rent paid
- ₹49,73,921
- Total outflow if buying
- ₹1,11,10,409
- Property value after appreciation
- ₹1,79,08,477
What this means.The answer swings entirely on two assumptions: property appreciation (6%) versus equity returns (12%). At a rent-to-price ratio of 3.60%, renting is mathematically cheap in most Indian metros. Buying still wins on stability, forced saving and not being asked to vacate — those are real, just not financial.
Worth knowing.Results are estimates based on the assumptions you enter. Actual outcomes depend on the exact terms offered to you, the compounding convention your institution uses, and tax law as it applies to your situation. Nothing here is personalised advice.
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