Buy or rent?

Compare buying on a home loan with renting and investing what you save. Change any number to match your city and your plans.

Buying

Property price₹75 lakh

₹

₹5 L₹20 Cr

Down payment

0%100%

Loan interest rate

5%20%

Loan tenure

years

1 year30 years

Stamp duty and registration

0%15%

Maintenance per month₹3,000

₹

₹0₹1 L

Monthly rent for a similar home₹20,000

₹

₹1,000₹10 L

Rent increase per year

0%15%

Property value growth per year

0%15%

Return on invested savings

0%15%

Compare over

years

1 year30 years

Net worth on each path at the end of the year.

Year	Buy	Rent	Ahead
1	₹19.94 L	₹26.01 L	Rent
2	₹25.18 L	₹32.05 L	Rent
3	₹30.73 L	₹38.38 L	Rent
4	₹36.61 L	₹45.02 L	Rent
5	₹42.84 L	₹51.98 L	Rent
10	₹80.17 L	₹92.15 L	Rent