Buy vs Rent Calculator
The break-even year, total cost either way, and the opportunity cost of the down payment. Settles the argument the fence-sitter is having at home.
Buy vs Rent Calculator
The break-even year, and what the fence-sitter is really choosing between.
If they buy
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₹10 L₹80.0 L₹5 Cr
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yrs
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If they rent
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yrs
1 yr30 yrs
Break-even
Year 7
buying pulls ahead after this point
Year 1Year 15Year 30
Net worth if buyingNet worth if renting
At year 10 — buying
Property value then₹1,43,26,000
Less loan outstanding−₹45,20,000
Net worth — the equity they own₹98,06,000
Cash spent along the way₹95,40,000
At year 10 — renting
Invested pot₹78,40,000
Net worth — the portfolio they hold₹78,40,000
Cash spent on rent₹41,44,000
This models money only. It cannot price security of tenure, the freedom to renovate, landlord risk, or the discipline a home loan enforces on someone who would otherwise not save. Those often decide the question in practice.
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