Rent vs Buy Calculator India – The Real Math of Home Ownership

The ultimate debate settled with numbers. Compare EMI equity against SIP wealth.

The Rent vs Buy Calculator settles the age-old debate: Is it better to buy a home and pay EMI, or rent a home and invest the savings? Buying builds an asset, but Renting offers flexibility and "Opportunity Cost" savings. This tool simulates both scenarios over 20-30 years to show you which path creates more Net Wealth for you.

Buying Scenario

Property Price

₹

Interest Rate

Loan Tenure

Yrs

Renting Scenario

Current Monthly Rent

₹

Monthly Maintenance

₹

📉 Wealth Verdict: RENTING WINSFinancially, renting and investing makes you ₹0 richer.

Projected Net Worth Difference

₹0.00 L

If you Rent & Invest.

Buy: ₹0.00 CrRent: ₹0.00 Cr

Market Assumptions

Property Appreciation

Rent Inflation

Investment Return

Analysis

What This Means

Over 20 years, the Rent + SIP strategy builds ₹0.00 Lakhs more wealth.

Why It Matters

Buying a home is emotional, but mathematically, high EMIs often kill wealth creation compared to disciplined investing.

The "EMI vs SIP" Truth

In India, rental yields are typically low (2-3%), while home loan interest rates are high (8.5-9%). Mathematically, this gap often favors Renting & Investing the difference (SIP), provided you actually invest that money.

"Buying forces savings (equity in home). Renting requires discipline (SIP)."

Behind the Math: Our Assumptions

We don't use magic numbers. This calculator projects your wealth based on standard Indian economic trends:

Factor	Standard Assumption	Why?
Property Appreciation	6% - 8%	Historical residential real estate average in Indian metros.
Rent Inflation	5% - 7%	Standard annual rent hike clauses.
Investment Return	12%	Nifty 50 long-term average (Opportunity Cost).