EMI vs Rent Calculator India
Compare the real cost of buying vs renting a home in India. See your EMI, total interest paid, and 5–20 year financial comparison including property appreciation.
Property & Loan Details
= ₹80,00,000
Rent & Market Details
EMI Breakdown
Monthly EMI
₹55,541
Monthly Rent
₹25,000
Monthly EMI vs Rent
Buy vs Rent Comparison
After 5 years
Total paid (buy)
₹49,32,441
Property worth ₹1Cr
Total paid (rent)
₹16,57,689
No asset built
After 10 years
Total paid (buy)
₹82,64,882
Property worth ₹2Cr
Total paid (rent)
₹37,73,368
No asset built
After 15 years
Total paid (buy)
₹1Cr
Property worth ₹2Cr
Total paid (rent)
₹64,73,569
No asset built
After 20 years
Total paid (buy)
₹1Cr
Property worth ₹3Cr
Total paid (rent)
₹99,19,786
No asset built
How this works
EMI is calculated using the standard formula: EMI = P × r × (1+r)^n / ((1+r)^n - 1) where P is loan amount, r is monthly interest rate, and n is number of months. The buy vs rent comparison shows total cash outflow for both options, and estimates property value using compound appreciation. Note: This doesn’t include registration fees, stamp duty, maintenance, or tax benefits — consult a financial advisor for complete analysis.
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