Rent vs Buy Calculator

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💡 Renting wins by ₹9,288,362
Monthly EMI
₹46,004
Renter Net Worth
₹33,114,958
(~ ₹3.31Cr)
Buyer Net Worth
₹23,826,596
(~ ₹2.38Cr)

🧾 Year 1 Details:

  • 🏦 Loan Amount: ₹5,500,000
  • 📆 EMI (Monthly): ₹46,004
  • 🏠 Rent (Monthly): ₹20,000
  • 💸 SIP Fixed: ₹26,004 /mo
  • 🛠️ Maintenance (1st year): ₹75,000
  • 📈 Home Appreciation (1st year): 6%
  • 📊 Investment Return Rate: 10%
YearRent PaidEMI PaidSIPMaintenanceRenter WealthOwner Wealth
1₹240,000₹552,050₹312,050₹75,000₹2,543,255₹2,491,252
2₹252,000₹552,050₹312,050₹79,500₹3,140,837₹3,089,652
3₹264,600₹552,050₹312,050₹84,270₹3,798,176₹3,726,852
4₹277,830₹552,050₹312,050₹89,326₹4,521,249₹4,405,420
5₹291,722₹552,050₹312,050₹94,686₹5,316,629₹5,128,099
6₹306,308₹552,050₹312,050₹100,367₹6,191,547₹5,897,816
7₹321,623₹552,050₹312,050₹106,389₹7,153,958₹6,717,700
8₹337,704₹552,050₹312,050₹112,772₹8,212,609₹7,591,091
9₹354,589₹552,050₹312,050₹119,539₹9,377,125₹8,521,558
10₹372,319₹552,050₹312,050₹126,711₹10,658,093₹9,512,912
11₹390,935₹552,050₹312,050₹134,314₹12,067,158₹10,569,228
12₹410,481₹552,050₹312,050₹142,372₹13,617,130₹11,694,857
13₹431,006₹552,050₹312,050₹150,915₹15,322,098₹12,894,451
14₹452,556₹552,050₹312,050₹159,970₹17,197,563₹14,172,982
15₹475,184₹552,050₹312,050₹169,568₹19,260,575₹15,535,763
16₹498,943₹552,050₹312,050₹179,742₹21,529,888₹16,988,476
17₹523,890₹552,050₹312,050₹190,526₹24,026,132₹18,537,192
18₹550,084₹552,050₹312,050₹201,958₹26,772,001₹20,188,408
19₹577,589₹552,050₹312,050₹214,075₹29,792,457₹21,949,067
20₹606,468₹552,050₹312,050₹226,920₹33,114,958₹23,826,596