🏘️ Rent vs Buy Calculator
The classic dilemma, answered with a full simulation: buyer builds home equity; renter invests the down payment and the monthly savings. Who is wealthier at the end?
Verdict After the Horizon
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Buyer's Net Worth (equity in home)₹0
Renter's Net Worth (investments)₹0
Property Value at Horizon₹0
Loan Still Outstanding₹0
Total Rent Paid₹0
Monthly EMI₹0
Simulation: buyer pays EMI + 0.5% of property value yearly as maintenance/tax; renter invests the down payment plus whatever the buyer spends extra each month. Excludes stamp duty (~6–7%, worsens buying) and the Section 24(b)/80C tax breaks on home loans (improve buying) — these roughly offset for many buyers. Buying usually wins with long horizons and high rent-to-price ratios; renting wins when the price-to-annual-rent ratio exceeds ~25–30. Estimates only.