Rent vs Buy Analyser

First, should you buy? Then, can you afford it?

Should I buy this property?

Your Situation

Property price you're considering

₹

Total all-in price including parking

Monthly take-home income

₹

Current monthly rent you pay

₹

Enter 0 if living with family

Liquid savings available

₹

FD + savings + MF, accessible within 30 days

Assumptions

Buying to…

Property type

Expected property appreciation

Historical Indian residential: 4–8%/yr.

Time horizon

First home

⚠️ It depends on your priorities

The financial case is mixed. The intangible benefits of owning (stability, customisation, no landlord risk) may tip the balance.

True monthly cost

₹74,874

EMI + maintenance + tax + opp. cost

vs. rent

+₹44,874/mo

extra cost of owning

Break-even

Yr 1

property appreciation covers premium

Property vs. Nifty 50 at 10 Years

If you rented and invested the down payment + monthly ownership premium into Nifty 50 at 11% CAGR instead — which grows more?

Property equity (6%/yr)₹98,47,177

Rent + invest in Nifty 50 (11%)₹1,35,47,679

Equity scenario invests down payment + ₹44,874/mo ownership premium at 11% CAGR.

Scenario Analysis

Property net equity under different market conditions.

Scenario	Value	Outstanding	Net equity
Optimistic	₹2,07,49,940	₹44,79,605	₹1,62,70,335
Base	₹1,43,26,782	₹44,79,605	₹98,47,177
Pessimistic (yr 7)	₹91,89,485	₹52,33,865	₹39,55,620

Pessimistic: 2%/yr appreciation with forced sale at year 7.

Intangible value of owning: Stability, ability to customise, no landlord risk, and the psychological security of a permanent home are real but hard to quantify.