Buy vs. Rent Calculator

Buying Assumptions

Property Price

₹

Three Lakh Rupees

Down Payment

Twenty Percent

Interest Rate

Six Percent

Loan Tenure

years

Thirty years

HOA/Fees (Monthly)

₹

Two Hundred Fifty Rupees

Appreciation (Annual)

Three Percent

Monthly Rent

₹

Two Thousand Rupees

Annual Rent Increase

Three Percent

Renter's Insurance (Yr)

₹

Two Hundred Rupees

Holding Period

years

Ten years

Year	Buy Outflow	Rent Outflow	Home Equity	Property Value
1	₹89,004	₹24,200	₹71,683	₹3,09,000
2	₹1,18,205	₹49,120	₹83,815	₹3,18,270
3	₹1,47,611	₹74,782	₹96,417	₹3,27,818
4	₹1,77,226	₹1,01,207	₹1,09,510	₹3,37,653
5	₹2,07,058	₹1,28,419	₹1,23,116	₹3,47,782
6	₹2,37,113	₹1,56,442	₹1,37,259	₹3,58,216
7	₹2,67,397	₹1,85,299	₹1,51,963	₹3,68,962
8	₹2,97,918	₹2,15,016	₹1,67,255	₹3,80,031
9	₹3,28,682	₹2,45,619	₹1,83,162	₹3,91,432
10	₹3,59,697	₹2,77,133	₹1,99,712	₹4,03,175

Suggestion

Buy (Wealth Building)

Buying Net Cost

₹1,59,985

Outflow minus Equity

Renting Total Cost

₹2,77,133

Total unrecoverable rent

Equity Built

₹1,99,712

Wealth stored in home

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