The Multi-Decade Math

Rent vs Buy Calculator

Don't just compare EMI vs Rent. Compare your final Net Worth after accounting for appreciation, maintenance, and the opportunity cost of your down payment.

Simulation Parameters

The Property Target

Home Price (₹)

Down Payment (₹)

Loan Rate (% p.a.)

Tenure (Years)

Appreciation %

Maint. (%/yr)

The Rental Alternative

Current Monthly Rent (₹)

Rent Hike (%/yr)

Horizon (Years)

Inv. Return %

Adjust parameters to see the wealth outcome