⚖️ Financial Decision Tool
Rent vs Buy Home Calculator
Should you buy a home or keep renting and investing your savings? Compare total net worth over time based on Indian market conditions.
₹
Total cost of buying flat/house (e.g. ₹40 Lakhs).
₹
Monthly rent for a comparable property.
Average mutual fund/SIP annual return (standard 12%).
Current home loan interest rate in India (~8.5%).
Expected annual real estate appreciation (standard 5%).
Path A: Renting & Investing🏡
Final Net Worth after 15 yrs:
₹98,50,000
Invested SIP Portfolio:₹1,18,000
Total Rent Paid:₹25,00,000
Path B: Buying Property🏛️
Final Net Worth after 15 yrs:
₹74,00,000
Future Property Value:₹83,00,000
Monthly Loan EMI:₹31,500 / mo