Rent vs Buy Calculator

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💡 Renting wins by ₹14,061,333.34 (~ ₹1.41Cr)
Monthly EMI
₹46,004
Renter Net Worth
₹35,355,930
(~ ₹3.54Cr)
Owner Net Worth
₹24,053,516
(~ ₹2.41Cr)
Total Maintenance
₹2,758,919
(~ ₹27.59L)

🧾 Analysis Details:

  • 🏦 Loan Amount: ₹5,500,000
  • 📆 EMI (Monthly): ₹46,004
  • 🏠 Initial Rent: ₹20,000/month
  • 💸 Initial Monthly SIP: ₹32,254
  • 📈 Property Appreciation: 6% per year
  • 📊 Investment Return: 10% per year
  • 🛠️ Annual Maintenance: 1% of home value
YearAnnual RentAnnual EMISIP InvestmentMaintenanceRenter WealthOwner WealthHome Value
1₹240,000₹552,050₹387,050₹75,000₹2,614,719₹2,566,252₹7,950,000
2₹252,000₹552,050₹379,550₹79,500₹3,285,953₹3,169,152₹8,427,000
3₹264,600₹552,050₹371,720₹84,270₹4,019,275₹3,811,122₹8,932,620
4₹277,830₹552,050₹363,547₹89,326₹4,820,826₹4,494,747₹9,468,577
5₹291,722₹552,050₹355,015₹94,686₹5,697,376₹5,222,785₹10,036,692
6₹306,308₹552,050₹346,110₹100,367₹6,656,388₹5,998,183₹10,638,893
7₹321,623₹552,050₹336,816₹106,389₹7,706,090₹6,824,089₹11,277,227
8₹337,704₹552,050₹327,119₹112,772₹8,855,554₹7,703,863₹11,953,861
9₹354,589₹552,050₹317,000₹119,539₹10,114,787₹8,641,096₹12,671,092
10₹372,319₹552,050₹306,443₹126,711₹11,494,822₹9,639,623₹13,431,358
11₹390,935₹552,050₹295,429₹134,314₹13,007,834₹10,703,541₹14,237,239
12₹410,481₹552,050₹283,941₹142,372₹14,667,248₹11,837,230₹15,091,474
13₹431,006₹552,050₹271,960₹150,915₹16,487,877₹13,045,366₹15,996,962
14₹452,556₹552,050₹259,464₹159,970₹18,486,067₹14,332,952₹16,956,780
15₹475,184₹552,050₹246,435₹169,568₹20,679,849₹15,705,331₹17,974,186
16₹498,943₹552,050₹232,850₹179,742₹23,089,123₹17,168,217₹19,052,638
17₹523,890₹552,050₹218,687₹190,526₹25,735,850₹18,727,719₹20,195,796
18₹550,084₹552,050₹203,924₹201,958₹28,644,264₹20,390,366₹21,407,544
19₹577,589₹552,050₹188,537₹214,075₹31,841,116₹22,163,142₹22,691,996
20₹606,468₹552,050₹172,502₹226,920₹35,355,930₹24,053,516₹24,053,516