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ZingChak Decision Board

Buy vs Rent vs SIP

Move the slider to change tenure; all comparisons update together.
⚠️
Assumptions only — not actual numbers. This calculator provides illustrative estimates based on your inputs and simplifying assumptions. It is not financial, legal, or tax advice. Real outcomes can differ due to fees, taxes, rate changes, market conditions, and your personal situation.

🏡 Staying on Rent

Annual step-up
Typical 3–7% in many Indian cities.
Over selected tenure
Total Rent Paid: —
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📅 Month-by-Month Rent
(0 months)
MonthYearRent (₹)

🏠 Buying Home

EMI + Upfront
EMI computed from loan amount & rate
Monthly EMI: —
Total amount paid to buy home over — years: —
  • Loan Amount: —
  • Total EMI Paid: —
    • — Principal Repaid: —
    • — Interest Paid: —
  • Down Payment: —
  • Interiors: —
Value of the property after — years with —% value appreciation: —
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💰 Investing (SIP only)

Uses surplus
Difference now: —
Auto-filled from (EMI − Current Rent). Turn off Auto to edit.
Over selected tenure
SIP Future Value: —
Down Payment as FD: —
Compare: Down Payment → FD
Opportunity
Future Value of Down Payment: —
Future Value of DP + Interiors: —
Total lumpsum invested amount (DP + Interiors): —
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—

—
Time horizon
— years
Cash you pay (total)
Buying: —
Renting: —
Wealth you build
Property after — yrs @ —%: —
SIP future value: —
Net position (Wealth − Cost)
Buy net: —
Rent+SIP net: —
Monthly comfort (now)
EMI: —
Rent: — • Diff (EMI − Rent): —
Monthly comfort (over tenure)
Avg monthly rent: —
Final-year rent: —
EMI (assumed constant): —
Final-year Diff (Rent − EMI): —
Year Rent / mo (₹) EMI / mo (₹) Diff (Rent−EMI)
How to read this
  • Total amount paid to buy home = EMIs over tenure + Down Payment + Interiors.
  • Value after N years assumes compounding at your appreciation %.
  • Net position = Wealth built − Cost paid. green = gain • red = shortfall
  • Monthly comfort: “now” compares EMI vs current rent; “over tenure” shows average and final-year rent vs constant EMI (unless rates change).
Why did we say this?
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    Legal & Risk Disclaimer

    • This tool is for education and planning only. Figures shown are illustrative estimates based on user inputs and simplifying assumptions.
    • It is not financial, legal, investment, or tax advice, and should not be relied on as such. Please consult a qualified advisor before making decisions.
    • Assumptions include (but aren’t limited to): constant EMI unless interest rates change, rent increasing annually at your chosen %, steady return rates for SIP/FD, and compounding as noted. Actual results can vary materially.
    • Excluded or variable costs may include: stamp duty/registration, GST, brokerage, insurance, maintenance/HOA, property tax, vacancy, prepayment/part-payment effects, and tax benefits.
    • ZingChak and the authors provide no warranties and accept no liability for actions taken based on these outputs.
    • By using this tool you agree to our Terms and Privacy Policy.