Rent vs buy calculator: 10-year wealth comparison
Buying wins when appreciation and rent growth outrun your loan cost and the return you could earn on the down payment elsewhere. In Greater Noida West, where rents are low relative to prices (yields near 3%), the answer depends heavily on the appreciation you assume, so the tool shows it explicitly.
- Buyer: net equity at exit (after loan and selling cost)
- ₹66.38 L
- Renter: investments at exit
- ₹90.81 L
- Monthly EMI
- ₹36,449
- Total rent paid
- ₹24.15 L
- Total EMIs + owner costs paid
- ₹49.74 L
- Appreciation needed for buying to break even
- 7.41%
Copy link to this calculation · JSON API · Estimates only; verify rates with the source below.
How it is calculated
Buyer: pays EMI plus maintenance and tax; wealth at exit = property value after appreciation − selling cost − loan balance. Renter: invests the down payment and, every month, the difference between the owner's outflow and rent, compounding at the investment return; rent grows yearly. The break-even appreciation is found by bisection. Tax benefits on interest (section 24b) and principal (80C) are not included and favour buying modestly.
Worked example
₹60 lakh flat, ₹16,000 rent, ₹18 lakh down, 8.5% loan, 10-year stay, 5% appreciation, 5% rent growth, 10% investment return: renting and investing finishes about ₹24 lakh ahead (₹90.8 lakh vs ₹66.4 lakh), and buying needs about 7.4% annual appreciation to break even, because the rent (3.2% yield) is far below the EMI.
Frequently asked questions
Is it better to rent or buy in Noida?
With rental yields near 3% and loan rates near 8.5%, buying needs roughly 7% or more yearly appreciation over a 10-year hold to beat renting and investing the down payment at 10%; it wins sooner if you stay longer, rents rise faster or your alternative return is lower.
What appreciation should I assume?
Use 4–6% for established societies; new corridors can do better or worse. Test the break-even figure the tool shows rather than a single guess.
Does the calculator include tax benefits?
No. Deductions on home-loan interest and principal improve the buy case by a few lakh over ten years for taxpayers in the old regime.
Estimates for planning only; not financial, legal or tax advice. Figures reflect common practice and published rates as of November 2026. Found an outdated rate? Email hello@zeorent.com.