F
Findwell Capital
Your Home Loan Partner
Rent vs Buy Calculator
Compare renting and buying based on your income, property and investment assumptions.
RENT
VS
BUY
INPUT DETAILS
Enter your financial assumptions
💰 1. INCOME & SALARY
₹
% p.a.
🧾 2. LIVING COST
₹
🏡 3. PROPERTY DETAILS
₹
%
₹
% p.a.
%
₹
🏢 4. RENTAL DETAILS
₹
% p.a.
₹
📈 5. ASSUMPTIONS & TIMELINE
% p.a.
Timeline:
Salary projections are shown every
5 years up to 30 years.
📊 6. INVESTMENTS
₹
% p.a.
RESULT DETAILS
Based on your inputs
WHICH OPTION IS BETTER FOR YOU?
BUYING
₹ 0
Projected additional net wealth over
15
years.
Your result will appear here.
🏠 BUYING
PROPERTY
CURRENT MONTHLY CASH IN HAND
₹ 0
TOTAL CUMULATIVE CASH SURPLUS
₹ 0
NET WEALTH
₹ 0
Total Cost of Property
₹ 0
Property Price
₹ 0
Down Payment
₹ 0
Stamp Duty / Registration
₹ 0
Home Loan Required
₹ 0
Monthly EMI
₹ 0
Total EMI Paid
₹ 0
Principal Paid
₹ 0
Interest Paid
₹ 0
Maintenance Cost
₹ 0
Total Income
₹ 0
Total Living Expense
₹ 0
Future Property Value
₹ 0
Outstanding Loan
₹ 0
Estimated Net Wealth
₹ 0
🏢 RENTING
INVESTMENT
CURRENT MONTHLY CASH IN HAND
₹ 0
TOTAL CUMULATIVE CASH SURPLUS
₹ 0
NET WEALTH
₹ 0
Starting Monthly Rent
₹ 0
Final Monthly Rent
₹ 0
Total Rent Paid
₹ 0
Security Deposit
₹ 0
Total Income
₹ 0
Total Living Expense
₹ 0
Investment Contribution
₹ 0
Investment Corpus
₹ 0
Estimated Net Wealth
₹ 0
📈 SALARY GROWTH EVERY 5 YEARS
Projected salary based on your expected annual increment.
8%
Annual Growth
| Timeline | Monthly Salary | Annual Salary |
|---|
📊 RENTING VS BUYING — NET WEALTH OVER TIME
🏠 WHEN BUYING WINS
Buying can become stronger when you plan to stay long term, property appreciation is healthy and EMI remains comfortably affordable.
🏢 WHEN RENTING WINS
Renting can become stronger when rent is substantially below ownership cost and the difference is invested consistently.
Want a detailed property & home-loan analysis?
Contact the Findwell Capital team for personalised guidance on your property decision.
Disclaimer: This calculator provides an illustrative
projection based on the assumptions entered by the user.
Actual property appreciation, rent increases, investment
returns, interest rates, taxes and expenses may differ.
This calculator is for educational purposes and should
not be treated as financial advice.