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Rent vs Buy Calculator

Buying isn't automatically better than renting — it depends on your down payment, loan rate, and what you'd do with the money otherwise.

Rent vs buy calculator
Monthly rent (today)₹30,000
Property price₹75,00,000
Down payment20%
Home loan rate8.5%
Time horizon10 yrs
Expected property growth / yr5%
If renting, invest the difference at10%
Over this horizon
which option builds more wealth.
Net position if you buy₹0
Net position if you rent + invest₹0
Buying's net position = property value − remaining loan − total interest paid. Renting's = investment corpus from investing the monthly savings. Ignores maintenance, taxes, and transaction costs on both sides.

How this works

This runs a genuine month-by-month simulation — amortizing your hypothetical home loan and compounding what you'd invest if you rented instead — rather than a simplified rule of thumb. It compares your net position under both paths at the end of your chosen time horizon.

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