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Rent or buy? See the real numbers.
Paying rent vs paying an EMI is more than a monthly comparison. Adjust the sliders below to see how your net worth actually plays out over the years — and when buying overtakes renting.
Your Numbers
Adjust to match your plan
Buying
Property price
Down payment
Loan interest rate
Loan tenure
Renting
Monthly rent now
Annual rent increase
Assumptions
Property appreciation / yr
Return on investments / yr
Time horizon
The Verdict
Net-worth difference
Monthly EMI
Rent today
Net worth over time
Home equity if you buy vs. invested savings if you rent
BuyRent
Break-even
Buy net worth
Rent net worth
Estimates assume a ~7% one-time buying cost (stamp duty + registration + charges), about 0.5% of value in annual maintenance & property tax, and a 2% cost when you eventually sell. The renting scenario invests the down payment, buying costs and any monthly savings at your chosen return rate. This is a planning aid, not financial advice — actual outcomes vary with market and loan terms. Dewan Realtors shares property prices on request.
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Let our advisors match you to the right property & loan.
RERA-approved homes across Zirakpur, Mohali & the Tricity, with home-loan assistance from partner banks.