Rent vs buy: compare wealth, not EMI vs rent
Buyer builds equity + appreciation; renter invests the down payment + monthly savings. Higher wealth at your horizon wins.
Monthly EMI
₹57,582
Down payment ₹16.0 L
Break-even year
Beyond horizon
Renting wins across your horizon
At year 10
Renting wins
by ₹12.7 L
Year-by-year wealth
| Year | Buy wealth | Rent wealth |
|---|---|---|
| Year 1 | ₹22.0 L | ₹22.7 L |
| Year 2 | ₹28.4 L | ₹30.0 L |
| Year 3 | ₹35.2 L | ₹37.8 L |
| Year 4 | ₹42.5 L | ₹46.1 L |
| Year 5 | ₹50.3 L | ₹55.0 L |
| Year 6 | ₹58.6 L | ₹64.6 L |
| Year 7 | ₹67.4 L | ₹75.0 L |
| Year 8 | ₹76.9 L | ₹86.0 L |
| Year 9 | ₹87.0 L | ₹97.8 L |
| Year 10 | ₹97.8 L | ₹1.11 Cr |
Simplified model: ignores tax effects, transaction costs and rent-deposit opportunity. Estimates only — verify loan terms with your lender.
Stuck between two flats or a buy-vs-rent call? Ask in your language — free.
Ask Sahayak