Rent vs Buy Calculator
Objective financial comparison between renting and buying a home based on projected terminal net wealth.
Primary Housing Values
Twenty-Five Thousand Rupees
Seventy-Five Lakh Rupees
Financing Assumptions
Years
Growth & Return Assumptions
15 Years
Projected Net Wealth After 15 Years
Buying Scenario₹1,54,53,067
Renting Scenario₹1,42,51,004
Projected Difference: ₹12,02,063 in favour of the buying scenario.
Buying Scenario Breakdown
Projected Home Value:₹1,79,74,186
Less Outstanding Loan:- ₹25,69,271
Projected Home Equity:₹1,54,04,915
Buyer Investment Portfolio:₹48,151
Buying Scenario Net Wealth:₹1,54,53,067
Renting Scenario Breakdown
Initial Investment (Avoided Down Payment):₹15,00,000
Total Rent Paid (Informational):₹69,82,791
Renter Investment Portfolio:₹1,42,51,004
Renting Scenario Net Wealth:₹1,42,51,004
The comparison assumes the lower-cost housing scenario invests the monthly difference. The renting scenario also invests the buyer's avoided down payment. Results are based on the assumptions entered and are not a recommendation to buy or rent.
Explore Home Financing
Calculator Disclaimer: This comparison is based only on the assumptions you enter. It assumes that the lower monthly housing cost in either scenario is invested at the entered investment return. The renting scenario also assumes that an amount equal to the buyer's down payment is invested at the start. Property transaction costs, maintenance, taxes, tax benefits, investment taxes and other ownership or rental costs are not included. Actual outcomes may differ.