Should you rent & invest or own?
Model the real financial trade-off — home loan EMI, property appreciation, rent escalation, and equity SIP returns — side by side.
Calculating…
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Net advantage
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Break-even year
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Rent & Invest
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MF portfolio after 20 years
Own Home
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Net equity after 20 years
Net worth over time
Property equity vs mutual fund portfolio
Year-by-year breakdown
| Year | Home value | Loan balance | Buyer net worth | Rent (yr) | Renter portfolio | Advantage |
|---|
Emotional vs financial
Buying gives stability, ownership, and freedom to customize — factors spreadsheets can't capture. If home is primarily a lifestyle choice, weigh peace of mind alongside these numbers.
Hidden costs of buying
Stamp duty (5–7%), registration, society maintenance (~1%/yr), property tax, loan interest in early years, and reduced liquidity during emergencies.
How we calculate
Buyer wealth = property value − loan balance. Renter wealth = down payment + fees compounded annually, plus the future value of monthly SIP contributions (EMI + maintenance − rent).