Rent vs Buy Calculator
Compare the long-term financial outcome of buying vs renting over any time horizon.
Property & Loan
₹80,00,000 — Eighty Lakh Rupees
₹16,00,000 — Sixteen Lakh Rupees
Rent & Returns
₹25,000 — Twenty Five Thousand Rupees
Better Option After 20 Years
Buy
Net wealth advantage:₹2.21 Cr
₹55,541
Monthly EMI
₹3.10 Cr
Future Property Value
₹1.33 Cr
Total EMI Paid
₹99.20 L
Total Rent Paid
Comparison Overview
Formula & How It Works
Formula
Buy Net Wealth = Future Property Value − Outstanding Loan − Down Payment; Rent Net Wealth = DP × (1+i)^n − Total Rent PaidBuying builds equity through EMI payments and property appreciation. Renting keeps the down payment liquid for investment. The calculator compares net wealth at the end of the tenure period.
The model accounts for compounding rent increases, property appreciation at the given CAGR, and the opportunity cost of the down payment invested at the investment return rate.
Why Tatsyavyatur Calculators Are Unique
Unlike generic calculators, Tatsyavyatur's tools are calibrated to Indian real estate norms — CII tables updated for the latest Finance Act, state-specific stamp duty rates, PMAY slabs, and Indian banking FOIR standards. Every calculation uses RBI-aligned formulas so your planning is grounded in reality, not approximation.