Free Calculator

Rent vs Buy Calculator

Compare renting vs buying with opportunity cost, property appreciation, and net worth impact — so you make the right call together.

Property Details

₹80.00 L
200000050000000
20%
1050
8.5% p.a.
614
20 yrs
530
1.0% of price/yr
0.53

Rent & Returns

₹25,000
5000200000
5% p.a.
015
6% p.a.
015
12% p.a.
420
10 years
330
How this works: Renting scenario assumes the down payment + registration fee is invested at the specified return rate. Net worth is compared at the end of your chosen horizon.

Monthly EMI

₹55,541

if you buy

Down Payment

₹16.00 L

+₹4.80 L reg.

Buy Net Worth (10yr)

₹97.44 L

Rent Net Worth (10yr)

₹1.32 Cr

Renting builds more wealth over 10 years

Renting leaves you ₹34.86 L better off. Buying is ahead from day one.

YearProperty ValueLoan BalanceBuy Net WorthRent Net WorthWinner
1₹84.80 L₹62.78 L₹22.02 L₹27.76 LRent
2₹89.89 L₹61.45 L₹28.44 L₹35.41 LRent
3₹95.28 L₹60.00 L₹35.28 L₹43.81 LRent
4₹1.01 Cr₹58.44 L₹42.56 L₹53.06 LRent
5₹1.07 Cr₹56.74 L₹50.32 L₹63.25 LRent
6₹1.13 Cr₹54.90 L₹58.58 L₹74.47 LRent
7₹1.20 Cr₹52.90 L₹67.39 L₹86.86 LRent
8₹1.28 Cr₹50.73 L₹76.77 L₹1.01 CrRent
9₹1.35 Cr₹48.38 L₹86.78 L₹1.16 CrRent
10₹1.43 Cr₹45.83 L₹97.44 L₹1.32 CrRent

Ready to make the move together?

Coupl helps couples pool money for down payments, track shared expenses, and plan big financial decisions — matching cards, zero balance.