Your Numbers
Compare net worth at your horizon — buying a home versus renting and investing the difference.
- Property appreciation is the biggest swing — a couple of percent either way can flip the result. We show your rate plus a ±3% range.
- This ignores stamp duty, registration, brokerage, maintenance and property tax — all real costs of buying.
- Owning a home has a stability and emotional value this calculation cannot capture; renting keeps you flexible.
AI Insights
DhanRadar AIAppreciation is the biggest swing factor. At 6% the buyer ends ₹1,23,08,971, but drop it to 3% and that shifts to ₹78,39,658 — a difference of ₹44,69,313. Before deciding, try a low-appreciation scenario and see if you are still comfortable.
The renter invests the surplus. The down payment of ₹20,00,000 goes into the market at 12% assumed return, plus ₹39,426/mo if the EMI exceeds the rent. If rent is higher than the EMI, the renter invests only the lump sum — and the buyer has a natural edge.
For education only — not investment or property advice. The outcome depends heavily on assumptions (appreciation, return, rent) that real life will not match exactly.
Related Calculators
Calculations are estimates for illustration only and assume a constant annual return, which real markets do not provide. DhanRadar is a research & analytics platform, not an investment advisor. Mutual fund investments are subject to market risks.