Rent vs buy calculator
A practical comparison for Indian households: EMI vs rent, plus a simple view of interest vs rent paid. It does not model tax or future sale price.
₹80 L
20%
8.50%
20 years
₹25,000
5%
10 years
Renting spends less cash in this window
₹37.7 L
- Monthly EMI
- ₹55,541
- EMI paid (10 yrs)
- ₹66.6 L
- Down payment
- ₹16 L
- Rent paid
- ₹37.7 L
- Buy cash outflow
- ₹82.6 L
This ignores tax, maintenance, and future sale value. Use it to compare cash going out, not investment return.
Planning estimate only. Not a loan offer, tax computation, or government assessment.
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