Rent vs Buy Calculator
Should you rent or buy in Gurugram? Compare total costs over your expected holding period, accounting for EMI payments, property appreciation, stamp duty, and alternative investment returns.
After 10 Years
Buying is Better
by ₹ 29,12,716
Total Cost Comparison
Monthly EMI
₹ 55,541
Down Payment
₹ 16,00,000
Property Value (Yr 10)
₹ 1.30 Cr
Stamp Duty + Registration
₹ 6,40,000
Year-by-Year Comparison
| Year | Rent Paid (Cumul.) | Buy Cost (Cumul.) | Property Value |
|---|---|---|---|
| 1 | ₹ 3.00 L | ₹ 29.18 L | ₹ 84.00 L |
| 2 | ₹ 6.15 L | ₹ 35.98 L | ₹ 88.20 L |
| 3 | ₹ 9.46 L | ₹ 42.77 L | ₹ 92.61 L |
| 4 | ₹ 12.93 L | ₹ 49.58 L | ₹ 97.24 L |
| 5 | ₹ 16.58 L | ₹ 56.39 L | ₹ 1.02 Cr |
| 6 | ₹ 20.41 L | ₹ 63.21 L | ₹ 1.07 Cr |
| 7 | ₹ 24.43 L | ₹ 70.03 L | ₹ 1.13 Cr |
| 8 | ₹ 28.65 L | ₹ 76.86 L | ₹ 1.18 Cr |
| 9 | ₹ 33.08 L | ₹ 83.71 L | ₹ 1.24 Cr |
| 10 | ₹ 37.73 L | ₹ 90.56 L | ₹ 1.30 Cr |
How This Works
Buying cost includes down payment, stamp duty (7%), registration (1%), home loan EMI, and annual maintenance. The property appreciates at your selected rate.
Renting cost includes rent with 5% annual increases. The down payment amount is assumed invested at 8% annual returns for comparison.
Verdict compares net wealth: buying gives you an appreciating asset, while renting frees up capital for other investments.
These calculations are for informational purposes only. Actual values may vary based on lender terms, market conditions, and government notifications. Consult a financial advisor for personalized guidance.
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