Rent vs Buy Calculator India — Which is Better in 2026?
Should you rent or buy a home? Compare 20-year net worth under both scenarios accounting for EMI, property appreciation, rent escalation and investment returns.
Your Scenario
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🏡 Renting is better over 20 years
Net worth difference: ₹71,70,713 in favour of renting. Property becomes better than renting after year 1.
🏠 If You Buy
Down payment₹16,00,000
Total EMI paid₹1,33,29,840
Maintenance + tax₹17,99,819
Property value at end₹3.10 Cr
🏡 If You Rent
Total rent paid₹99,19,776
Investment corpus₹4.56 Cr
Net worth at end₹3.57 Cr
This is a simplified model. Actual outcomes depend on property location, market conditions, tax benefits (Section 24 home loan interest deduction under old regime), and personal circumstances.