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Over your time horizon, which leaves you wealthier — buying, or renting and investing the difference?
An educational model. Buying nets home value (grown by appreciation) minus the remaining loan; renting invests the down payment plus the monthly amount the buyer spends above rent, at your assumed return. It ignores stamp duty, registration, brokerage, tax benefits, and the non-financial value of owning a home — change the assumptions to fit your situation.
Use the EMI calculator to see the monthly cost and prepayment impact.
In short
This compares two futures over the years you plan to stay: buying (your home's value at the end, minus the loan still outstanding) versus renting and investing the difference (your down payment, plus every rupee the buyer spends above rent, invested each month). The larger ending number wins.
Because it rests on three rates nobody can know in advance. Try a range — appreciation at 3% versus 7%, for instance — and see whether your decision actually changes. If it does, the honest answer is “it depends.”
Not in this framing. Rent buys you housing; the buyer's loan interest and maintenance are equally non-recoverable. The real comparison is equity built versus portfolio built.
No. They can add several percent to the purchase and are paid upfront, which typically strengthens the renting case for shorter stays.
The buyer side uses the same textbook reducing-balance EMI mathematics as the home-loan calculator.
Context for floating-rate home loans, whose rate resets are not modelled in this comparison.
There is no authoritative forecast for these three rates — which is exactly why the tool asks you for them, and why the answer should be tested across a range.
This tool gives you a number. These free WealQuest lessons explain the idea it rests on — in English and हिंदी, no sign-up.
This explains the maths behind the tool so you can trust the number. It is educational information, not financial advice.