Property tools

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Property price

₹2 Cr

Rent for a similar home (per month)

₹50,000

Down payment (%)

Home-loan rate (%)

Years you plan to stay

Property appreciation (% / yr)

Rent increase (% / yr)

Return on invested savings (% / yr)

Ahead by ₹11.83 L after 10 yrsRenting

Net worth if you buy₹2.46 Cr

Net worth if you rent & invest₹2.58 Cr

Monthly EMI₹1,38,852/mo (20-yr loan)

Starting rent₹50,000/mo

Buyer pays down payment + ~6% registration upfront and the EMI monthly. Renter invests that same upfront cash, plus the monthly difference whenever rent is cheaper than the EMI (and the buyer invests the difference when it isn't). Ignores tax benefits, maintenance and selling costs — a starting point, not advice.