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ArchSetuToolsRent vs Buy Calculator
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Rent vs Buy Calculator

Compare total cost of renting vs buying over your time horizon - EMI, maintenance, and appreciation included.

%
%
yrs
%
%
yrs

Buying comes out ahead

₹32,11,210

over 10 years, in net financial position

Buying

Monthly EMI₹43,391
Down payment₹12,50,000
Total EMI paid₹52,06,939
Total maintenance₹7,86,118
Total cash spent₹72,43,058
Home value at horizon₹1,01,80,591
Remaining loan balance₹34,99,691
Buying Equity Position-₹5,62,157

Buying Equity Position = (Home value at horizon − Remaining loan balance) − Total cash spent

Renting

Total rent paid₹37,73,368
Renting Net Position-₹37,73,368

Renting Net Position = − Total rent paid

Overall difference = Buying Equity Position − Renting Net Position. Maintenance is estimated as 1% of the property's estimated market value each year (including appreciation). For estimation only.

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