Buy vs Rent + Invest Simulator
Would you become richer buying a house, or renting and investing the difference?
Quick break-even with the essentials. Enter the sale price you expect.
Your Numbers
Simple mode assumes the rent you would pay while renting is offset by the rent the property earns, so it nets out. Switch to Expert mode for separate rent-paid vs rent-received, appreciation, taxes, opportunity cost, sensitivity and Monte Carlo.
Winner
Rent + Invest the difference
Ahead by ₹30,27,066 after 19 years.
Break-even sale price
₹3,30,27,066
Buying only beats renting + investing if you can sell above this. You entered ₹3,00,00,000 — below break-even, so renting + investing wins.
Buy House — Total Wealth
₹5,54,99,757
Sale price − loan + rent invested
Rent + Invest — Total Wealth
₹5,85,26,824
Initial + EMIs @ 12%
Difference
+₹30,27,066
in favour of renting
Wealth Over Time
Buying vs renting + investing across the holding period.
How This Is Calculated
Every number, shown — no black box.
| Initial expenses (down + registration + interior + misc) | ₹21,55,000 |
| → invested 19 yrs @ 12% (lump) | ₹2,08,31,498 |
| EMIs invested monthly (SIP) | ₹3,76,95,326 |
| Rent invested monthly (SIP) | ₹2,59,99,765 |
| Outstanding loan at sale | ₹5,00,008 |
| Implied appreciation | 8.38% p.a. |
| Rent + Invest total wealth | ₹5,85,26,824 |
| Buy House total wealth | ₹5,54,99,757 |
Disclaimer: An educational estimate, not financial advice. Results depend entirely on your assumptions — especially the expected sale price and return. Consult a SEBI-registered advisor before any major financial decision.