Rent vs buy
Compare renting against buying the same home — loan, appreciation, and rent hikes included.
Runs locally; no financial inputs are uploaded
Verdict · 10 years
Buying wins by ₹3.65 L
Renting costs ₹3.95 L total · buying costs ₹30.5k net (EMI ₹71,978/mo, equity left ₹1.06 Cr)
Cumulative cost (₹)
— total rent paid · — net buying cost (EMIs + down payment − equity).
Assumptions
Educational model, not financial advice. Ignores maintenance, property tax, stamp duty, brokerage, and the returns you could earn investing the down payment instead. Add ~1%/yr maintenance mentally against buying, and be honest about how long you will actually stay.
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