Buy vs. Rent Planner

Decision Suite

Updated

Your Cashflow

Buying Specs

Renting Specs

Market Assumptions

5 Years 20 40 Years

Table Guide

Total Spent: Money permanently gone. For Buyers: Interest + Maintenance. For Renters: Rent Paid.
Home Equity: The net value of the house you own (Market Price minus Outstanding Loan).
SIP Invested: The actual cash amount the renter managed to save and invest.
SIP Total: The final value of the renter's portfolio (Invested Amount + Market Returns).

Calculating...

Please adjust inputs to see the result.

Net Wealth Difference
Gap between Buyer's Net Worth (Equity) and Renter's Net Worth (SIP).
0

Cashflow Stress Test

0% of Monthly Income

Safe Zone

Loan & EMI Details

Loan Amount
₹0
Monthly EMI
₹0
Total Pay (EMI + Maint): ₹0

Lifestyle Scorecard

Beyond Numbers
🦅
Flexibility
RENT Wins
💧
Liquidity
RENT Wins
🛡️
Risk
Mixed
😌
Emotion
BUY Wins
Total Spent (Buy)
Money gone forever: Down Payment + EMI Interest + Maintenance.
0
Home Equity
Market Value of House MINUS Pending Loan.
0
Total Spent (Rent)
Rent paid + Shifting costs. Money gone forever.
0
SIP Balance
Value of saved Downpayment + Monthly Savings invested.
0

Net Worth Projection

Year-by-Year Cashflow & Wealth

All figures in ₹
Year Total Spent (Buy) Home Equity Total Spent (Rent) SIP Invested SIP Total