Calculators

Rent vs Buy Calculator

Compare net wealth from renting vs buying across your time horizon. Mortgage, TMI, HOA, appreciation, rent growth, and investment returns — all in one place by Tolyo.

CalculatorsPopular

Inputs

Currency

E.g. $, €, ₨

Home price

Down payment: ₨4,000,000.00 (at 20.00%)

Down payment (%)

Mortgage rate (APR %)

Monthly payment: ₨165,150.14

Mortgage term (years)

Property tax (% of value / yr)

Maintenance (% of value / yr)

Home insurance (per year)

HOA / society (per month)

Closing costs (% of price)

Upfront costs: ₨400,000.00

Selling costs (% of sale price)

Home appreciation (%/yr)

Rent (per month)

Rent growth (%/yr)

Renter investment return (%/yr)

Horizon

Unit

Show yearly schedule

Turn off for a minimal view.

Horizon: 120 moMortgage pmt: ₨165,150.14

Results

Buyer net wealth at horizon

₨20,292,266.06

Home value − selling costs − remaining mortgage

Renter net wealth at horizon

₨25,704,497.18

Invested down/closing + monthly savings (compounded)

Difference (Buy − Rent)

-₨5,412,231.12

Renting builds more net wealth

Break-even

Not within horizon

Yearly Schedule

Year	Owner Outflow (yr)	Renter Outflow (yr)	Home Value (end)	Mortgage Balance (end)	Renter Investment (end)
1	₨2,432,802.29	₨1,105,096.99	₨21,023,237.96	₨15,766,666.94	₨6,089,424.66
2	₨2,453,829.86	₨1,161,635.85	₨22,098,826.71	₨15,506,332.86	₨7,864,315.48
3	₨2,475,933.24	₨1,221,067.35	₨23,229,444.63	₨15,215,873.22	₨9,728,975.09
4	₨2,499,167.47	₨1,283,539.47	₨24,417,907.10	₨14,891,801.92	₨11,687,921.19
5	₨2,523,590.41	₨1,349,207.79	₨25,667,173.57	₨14,530,229.47	₨13,745,897.20
6	₨2,549,262.87	₨1,418,235.82	₨26,980,354.88	₨14,126,816.28	₨15,907,883.40
7	₨2,576,248.79	₨1,490,795.45	₨28,360,721.04	₨13,676,720.59	₨18,179,108.63
8	₨2,604,615.35	₨1,567,067.38	₨29,811,709.36	₨13,174,540.34	₨20,565,062.56
9	₨2,634,433.20	₨1,647,241.52	₨31,336,932.99	₨12,614,248.38	₨23,071,508.57
10	₨2,665,776.59	₨1,731,517.52	₨32,940,189.95	₨11,989,120.09	₨25,704,497.18

Notes

“Renter invests savings” means any month that renting is cheaper than owning, the difference is invested at your chosen return (and withdrawn if rent exceeds owning).
Property tax & maintenance are applied as % of current home value; insurance and HOA are flat per year/month.
Selling costs (e.g., agent fees) apply to the appreciated sale price at the horizon end.