Rent vs Buy Calculator India
The Rent vs Buy Calculator resolves the biggest dilemma for Indian millennials: Should you buy a house or keep renting? Buying a house locks up your capital and requires heavy EMI commitments, but builds an asset. Renting offers flexibility and leaves you with surplus cash to invest in high-yield mutual funds.
How to Evaluate Renting vs Buying
Our calculator models your entire financial trajectory over 15 to 20 years. It compares the net worth generated by paying an EMI (which eventually leads to property ownership) versus paying rent and aggressively investing the difference (EMI minus Rent) in a 12% CAGR equity fund. If the portfolio value of renting + investing exceeds the final property value, renting is the mathematically superior choice.