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Both paths have hidden costs and hidden returns. This tool counts both sides, then names the winner for how long you plan to stay.
Buying wins by ₹5,80,945 over 10 years in this setup.
Net cost means every rupee out minus the value you hold at the end. The rent path counts the growth of your unused down payment as a refund. Change one input at a time to feel each trade-off.
Price, down payment, stamp duty, loan rate, and tenure.
Current rent, yearly rise, and the return on money you invest instead.
Both sides count payments minus value held at the end.
net cost = everything paid − value you still hold at the endBuying holds equity. Renting holds a growing investment funded by the unpaid down payment.
Test horizons before you sign either contract.
See how a likely move changes the verdict.
Argue with numbers both sides accept.
Know when staying invested beats stretching to buy.
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