Select State (for Stamp Duty):

Buy Scenario Inputs

₹

Seventy Five Lakh Rupees

Twenty Percent

Eight Percent

years

Twenty years

₹

Two Thousand Rupees

Five Percent

Tax Benefits

Rent & Invest Inputs

₹

Twenty Five Thousand Rupees

Five Percent

Twelve Percent

years

Ten years

We assume the Down Payment and any monthly savings (EMI vs Rent) are invested at 12%.

Net Wealth Comparison

Net Worth Trajectory

Asset Growth Comparison

Tax Benefits Realized (Cumulative)

Year-by-Year Wealth Breakdown

YearProperty ValueBuy Net WealthRent+Invest WealthTax Saved
No data available.

Rent vs Buy: It's Not Just Math

While the numbers are important, the emotional and lifestyle factors often play an equally significant role in this decision.

  • ✔ Flexibility vs Stability: Renting allows easy relocation, while buying provides deep community roots.
  • ✔ Customization: Homeownership lets you renovate and personalize your space freely.
  • ✔ Predictability: Fixed EMIs protect against sudden rent spikes and eviction worries.

Final Verdict

Recommendation

Net Wealth Difference: ₹0

Buy: Final Net Wealth

₹0

Property Value - Loan

Rent: Final Net Wealth

₹0

Investment Portfolio Value

Tax Saved (Buy)

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What-If Scenario Playground

Tweak key parameters independent of the main calculator to instantly see how different market conditions change your final verdict.

₹

Seventy Five Lakh Rupees

₹

Twenty Five Thousand Rupees

Twelve Percent

Five Percent

years

Ten years
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