Rent vs Buy Home Calculator
Compare the long-term cost of renting vs buying a home, including opportunity cost.
Net cost of renting
-₹21,52,142
Net cost of buying
₹27,38,101
Over 10 years, renting works out ₹48,90,243 cheaper than buying — assuming your down payment (if renting) grows at 10% elsewhere.
How this calculator works
Renting vs. buying isn't just about monthly payments — it's about the total financial outcome over your holding period, including what your money could have earned elsewhere. This calculator compares the net cost of renting (rent paid, minus the growth of your invested down payment and savings) against the net cost of buying (EMI and maintenance paid, minus your home's appreciated value).
Worked example: renting at ₹30,000/month instead of buying an ₹80,00,000 home (with a 20% down payment at 8.5% interest) and investing the difference at 10% can leave a renter meaningfully ahead financially over 10 years — a result that surprises many people, and exactly why running your own numbers matters more than following a rule of thumb.