Rent vs Buy Financial Calculator | Premium Fintech Dashboard

Financial Assumptions

INR (₹)

Property Details

Property Price

₹

Down Payment 20%

₹

Loan Interest Rate

Loan Tenure

Yrs

Customize / Increase Monthly EMI

Custom EMI Amount Min: ₹0

₹

Property Appreciation

Registration & Other Costs 6.25%

₹

Rent & Investment

Current Monthly Rent

₹

Annual Rent Increase

Expected Investment Return

Monthly Maintenance

₹

Advanced Financial Controls

Inflation Rate

Maintenance Increase

Enable Home Loan Tax Benefits

Your Tax Bracket

Show Inflation-Adjusted (Real) Wealth

Comparison Period

Years

Recommended Strategy

Calculating...

Based on your inputs, renting and investing is projected to build more wealth.

Estimated Wealth Advantage ₹0

Monthly EMI (Buy)

₹0

Loan Amount: ₹0

Buy Net Wealth

₹0

Property Value: ₹0

Rent Net Wealth

₹0

Investment Corpus: ₹0

Visual Projections

Total Outflow (Cost Paid)
                                Buy Scenario
                                ₹0
                                Down Payment + EMI + Maint
                            
vs

                                Rent Scenario
                                ₹0
                                Total Rent paid over period
                            

                        Comparison Metrics
                        
                                Total Interest Paid:
                                ₹0
                            
                                Remaining Loan Outstanding:
                                ₹0
                            
                                Break-Even Year:
                                N/A
                            
                                Surplus Invested Monthly:
                                ₹0

Live Scenario Simulator

Quickly check sensitivity

Property Appreciation 6%

Investment Return 12%

Annual Rent Increase 7%

Year	Property Value	Outstanding Loan	Cumulative Buy Cost	Buy Mutual Fund	Cumulative Rent Cost	Rent Mutual Fund	Buy Net Worth	Rent Net Worth

Executive Summary

This report presents a thorough analysis of the financial impact of purchasing a property compared to continuing to rent and investing the initial down payment and subsequent surplus monthly cash flows. Calculations are done month-by-month and account for home loan amortisation, interest payments, property appreciation, home maintenance inflation, rent escalation, mutual fund compound returns, tax benefits, and general inflation.

Profitch

Wealth Mantra™

Financial Profile Assessment

Wealth Mantra

Financial Assumptions

Hello, Pratik