Rent vs Buy
Enter your real numbers. We simulate net worth month by month for both paths and tell you which one wins.
Renting & investing wins by $4,032,463
The monthly gap between renting and owning is large enough that investing it consistently outgrows the home's appreciation.
Buying — net worth
$9,036,227
Renting & investing
$13,068,690
Net worth over time
How this verdict is calculated
We assume both paths start with the same capital — the down payment — and the same monthly budget. The buyer puts that capital into the home and pays EMI plus maintenance. The renter invests that same capital in the market instead, pays rent, and invests whatever's left over each month. We simulate this month by month, then compare net worth at the end of your time horizon.
Common questions
Not by default — those are one-time costs that vary a lot by city. If you know yours, mentally add them to the down payment slider.