Buy Vs Rent Calculator
Should you buy your own home or keep renting? Compare both over the long term
Buy vs Rent Inputs
Compare buying a home against renting over the long term
₹80,00,000
20%
9.0%
20 years
₹25,000
7%
6%
Buy vs Rent Comparison
Verdict over 20 years
Buying looks better for you
Monthly EMI (if you buy)
₹57,582
Total Cost of Buying
₹1,54,19,791
Total Rent Paid
₹1,22,98,648
Property Value After 20 yrs
₹2,56,57,084
Net Wealth Gain from Buying
₹1,02,37,293
property value minus total amount paid
Rule of thumb
Rent money is an expense; EMI builds an asset. If you plan to stay 7+ years in the same city, buying usually wins — especially when property appreciation beats rent inflation.