Download - India Rent vs Buy
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7/27/2019 India Rent vs Buy
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Calculation Year 2006
House Value in Calculation Year 2,000,000.00INR
Downpayment Amount INR 2,000,000.00
EMI INR 0.00
Maintenance Per Month INR 0.00
Loan Duration (Years) 15House appreciation per year 9.00%
Rent for the same House/Flat INR 9,000.00
Rent appreciation per year 5.00%
Return on your investments 10.00%
Input: Buying House/Flat Input
Input: Rent
Input: Return of Investment you can generate
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7/27/2019 India Rent vs Buy
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5 1 2 3 4 5 6
Y1 (108,000.00) (113,400.00) (119,070.00) (125,023.50) (131,274.68) (137,838.41)
Y2 (108,000.00) (113,400.00) (119,070.00) (125,023.50) (131,274.68)
Y3 (108,000.00) (113,400.00) (119,070.00) (125,023.50)
Y4 (108,000.00) (113,400.00) (119,070.00)
Y5 (108,000.00) (113,400.00)
Y6 (108,000.00)
Y7
Y8
Y9
Y10
Y11
Y12
Y13
Y14
Y15Y16
Y17
Y18
Y19
Y20
Y21
Y22
Y23
Y24
Y25
Y26
Total (108,000.00) (221,400.00) (340,470.00) (465,493.50) (596,768.18) (734,606.58)
If you haven't bought house you will loose money through rent. This Calculation shows how much lo
loss from year 1 to year 10
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7/27/2019 India Rent vs Buy
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7 8 9 10 11 12 13
(144,730.33) (151,966.85) (159,565.19) (167,543.45) (175,920.62) (184,716.65) (193,952.48)
(137,838.41) (144,730.33) (151,966.85) (159,565.19) (167,543.45) (175,920.62) (184,716.65)
(131,274.68) (137,838.41) (144,730.33) (151,966.85) (159,565.19) (167,543.45) (175,920.62)
(125,023.50) (131,274.68) (137,838.41) (144,730.33) (151,966.85) (159,565.19) (167,543.45)
(119,070.00) (125,023.50) (131,274.68) (137,838.41) (144,730.33) (151,966.85) (159,565.19)
(113,400.00) (119,070.00) (125,023.50) (131,274.68) (137,838.41) (144,730.33) (151,966.85)
(108,000.00) (113,400.00) (119,070.00) (125,023.50) (131,274.68) (137,838.41) (144,730.33)
(108,000.00) (113,400.00) (119,070.00) (125,023.50) (131,274.68) (137,838.41)
(108,000.00) (113,400.00) (119,070.00) (125,023.50) (131,274.68)
(108,000.00) (113,400.00) (119,070.00) (125,023.50)
(108,000.00) (113,400.00) (119,070.00)
(108,000.00) (113,400.00)
(108,000.00)
(879,336.91) (1,031,303.76) (1,190,868.95) (1,358,412.39) (1,534,333.01) (1,719,049.66) (1,913,002.15)
s accumulated in years. E.g. Total for 10 Year represents total
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7/27/2019 India Rent vs Buy
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14 15 16 17 18 19 20
(203,650.11) (213,832.61) (224,524.24) (235,750.46) (247,537.98) (259,914.88) (272,910.62)
(193,952.48) (203,650.11) (213,832.61) (224,524.24) (235,750.46) (247,537.98) (259,914.88)
(184,716.65) (193,952.48) (203,650.11) (213,832.61) (224,524.24) (235,750.46) (247,537.98)
(175,920.62) (184,716.65) (193,952.48) (203,650.11) (213,832.61) (224,524.24) (235,750.46)
(167,543.45) (175,920.62) (184,716.65) (193,952.48) (203,650.11) (213,832.61) (224,524.24)
(159,565.19) (167,543.45) (175,920.62) (184,716.65) (193,952.48) (203,650.11) (213,832.61)
(151,966.85) (159,565.19) (167,543.45) (175,920.62) (184,716.65) (193,952.48) (203,650.11)
(144,730.33) (151,966.85) (159,565.19) (167,543.45) (175,920.62) (184,716.65) (193,952.48)
(137,838.41) (144,730.33) (151,966.85) (159,565.19) (167,543.45) (175,920.62) (184,716.65)
(131,274.68) (137,838.41) (144,730.33) (151,966.85) (159,565.19) (167,543.45) (175,920.62)
(125,023.50) (131,274.68) (137,838.41) (144,730.33) (151,966.85) (159,565.19) (167,543.45)
(119,070.00) (125,023.50) (131,274.68) (137,838.41) (144,730.33) (151,966.85) (159,565.19)
(113,400.00) (119,070.00) (125,023.50) (131,274.68) (137,838.41) (144,730.33) (151,966.85)
(108,000.00) (113,400.00) (119,070.00) (125,023.50) (131,274.68) (137,838.41) (144,730.33)
(108,000.00) (113,400.00) (119,070.00) (125,023.50) (131,274.68) (137,838.41)(108,000.00) (113,400.00) (119,070.00) (125,023.50) (131,274.68)
(108,000.00) (113,400.00) (119,070.00) (125,023.50)
(108,000.00) (113,400.00) (119,070.00)
(108,000.00) (113,400.00)
(108,000.00)
(2,116,652.25) (2,330,484.87) (2,555,009.11) (2,790,759.57) (3,038,297.54) (3,298,212.42) (3,571,123.04)
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7/27/2019 India Rent vs Buy
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21 22 23 24 25 26
(286,556.15) (300,883.96) (315,928.16) (331,724.57) (348,310.79) (365,726.33)
(272,910.62) (286,556.15) (300,883.96) (315,928.16) (331,724.57) (348,310.79)
(259,914.88) (272,910.62) (286,556.15) (300,883.96) (315,928.16) (331,724.57)
(247,537.98) (259,914.88) (272,910.62) (286,556.15) (300,883.96) (315,928.16)
(235,750.46) (247,537.98) (259,914.88) (272,910.62) (286,556.15) (300,883.96)
(224,524.24) (235,750.46) (247,537.98) (259,914.88) (272,910.62) (286,556.15)
(213,832.61) (224,524.24) (235,750.46) (247,537.98) (259,914.88) (272,910.62)
(203,650.11) (213,832.61) (224,524.24) (235,750.46) (247,537.98) (259,914.88)
(193,952.48) (203,650.11) (213,832.61) (224,524.24) (235,750.46) (247,537.98)
(184,716.65) (193,952.48) (203,650.11) (213,832.61) (224,524.24) (235,750.46)
(175,920.62) (184,716.65) (193,952.48) (203,650.11) (213,832.61) (224,524.24)
(167,543.45) (175,920.62) (184,716.65) (193,952.48) (203,650.11) (213,832.61)
(159,565.19) (167,543.45) (175,920.62) (184,716.65) (193,952.48) (203,650.11)
(151,966.85) (159,565.19) (167,543.45) (175,920.62) (184,716.65) (193,952.48)
(144,730.33) (151,966.85) (159,565.19) (167,543.45) (175,920.62) (184,716.65)(137,838.41) (144,730.33) (151,966.85) (159,565.19) (167,543.45) (175,920.62)
(131,274.68) (137,838.41) (144,730.33) (151,966.85) (159,565.19) (167,543.45)
(125,023.50) (131,274.68) (137,838.41) (144,730.33) (151,966.85) (159,565.19)
(119,070.00) (125,023.50) (131,274.68) (137,838.41) (144,730.33) (151,966.85)
(113,400.00) (119,070.00) (125,023.50) (131,274.68) (137,838.41) (144,730.33)
(108,000.00) (113,400.00) (119,070.00) (125,023.50) (131,274.68) (137,838.41)
(108,000.00) (113,400.00) (119,070.00) (125,023.50) (131,274.68)
(108,000.00) (113,400.00) (119,070.00) (125,023.50)
(108,000.00) (113,400.00) (119,070.00)
(108,000.00) (113,400.00)
(108,000.00)
(3,857,679.20) (4,158,563.16) (4,474,491.31) (4,806,215.88) (5,154,526.67) (5,520,253.01)
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7/27/2019 India Rent vs Buy
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10.00 1 2 3 4 5 6
Y1 2,000,000.00 2,200,000.00 2,420,000.00 2,662,000.00 2,928,200.00 3,221,020.00
Total 2,000,000.00 2,200,000.00 2,420,000.00 2,662,000.00 2,928,200.00 3,221,020.00
If you haven't bought house you will have you downpayment amount and you can inv
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7/27/2019 India Rent vs Buy
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7 8 9 10 11 12
3,543,122.00 3,897,434.20 4,287,177.62 4,715,895.38 5,187,484.92 5,706,233.41
3,543,122.00 3,897,434.20 4,287,177.62 4,715,895.38 5,187,484.92 5,706,233.41
st it and increase this money over the years
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7/27/2019 India Rent vs Buy
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13 14 15 16 17 18
6,276,856.75 6,904,542.43 7,594,996.67 8,354,496.34 9,189,945.97 10,108,940.57
6,276,856.75 6,904,542.43 7,594,996.67 8,354,496.34 9,189,945.97 10,108,940.57
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7/27/2019 India Rent vs Buy
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19 20 21 22 23 24
11,119,834.63 12,231,818.09 13,454,999.90 14,800,499.89 16,280,549.88 17,908,604.87
11,119,834.63 12,231,818.09 13,454,999.90 14,800,499.89 16,280,549.88 17,908,604.87
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7/27/2019 India Rent vs Buy
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25 26
19,699,465.35 21,669,411.89
19,699,465.35 21,669,411.89
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7/27/2019 India Rent vs Buy
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10.00 1 2 3 4 5 6
Y1 (108,000.00) (118,800.00) (130,680.00) (143,748.00) (158,122.80) (173,935.08)
Y2 (108,000.00) (118,800.00) (130,680.00) (143,748.00) (158,122.80)
Y3 (108,000.00) (118,800.00) (130,680.00) (143,748.00)Y4 (108,000.00) (118,800.00) (130,680.00)
Y5 (108,000.00) (118,800.00)
Y6 (108,000.00)
Y7
Y8
Y9
Y10
Y11
Y12
Y13
Y14
Y15
Y16
Y17
Y18
Y19
Y20
Y21
Y22
Y23
Y24
Y25
Y26
Total (108,000.00) (226,800.00) (357,480.00) (501,228.00) (659,350.80) (833,285.88)
If you haven't bought house you will save the (EMI + Maintenace -Rent) money over t
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7/27/2019 India Rent vs Buy
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7 8 9 10 11 12
(191,328.59) (210,461.45) (231,507.59) (254,658.35) (280,124.19) (308,136.60)
(173,935.08) (191,328.59) (210,461.45) (231,507.59) (254,658.35) (280,124.19)
(158,122.80) (173,935.08) (191,328.59) (210,461.45) (231,507.59) (254,658.35)(143,748.00) (158,122.80) (173,935.08) (191,328.59) (210,461.45) (231,507.59)
(130,680.00) (143,748.00) (158,122.80) (173,935.08) (191,328.59) (210,461.45)
(118,800.00) (130,680.00) (143,748.00) (158,122.80) (173,935.08) (191,328.59)
(108,000.00) (118,800.00) (130,680.00) (143,748.00) (158,122.80) (173,935.08)
(108,000.00) (118,800.00) (130,680.00) (143,748.00) (158,122.80)
(108,000.00) (118,800.00) (130,680.00) (143,748.00)
(108,000.00) (118,800.00) (130,680.00)
(108,000.00) (118,800.00)
(108,000.00)
(1,024,614.47) (1,235,075.91) (1,466,583.51) (1,721,241.86) (2,001,366.04) (2,309,502.65)
he years again that will built as asset for you.
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7/27/2019 India Rent vs Buy
13/22
13 14 15 16 17 18
(338,950.26) (372,845.29) (410,129.82) (451,142.80) (496,257.08) (545,882.79)
(308,136.60) (338,950.26) (372,845.29) (410,129.82) (451,142.80) (496,257.08)
(280,124.19) (308,136.60) (338,950.26) (372,845.29) (410,129.82) (451,142.80)(254,658.35) (280,124.19) (308,136.60) (338,950.26) (372,845.29) (410,129.82)
(231,507.59) (254,658.35) (280,124.19) (308,136.60) (338,950.26) (372,845.29)
(210,461.45) (231,507.59) (254,658.35) (280,124.19) (308,136.60) (338,950.26)
(191,328.59) (210,461.45) (231,507.59) (254,658.35) (280,124.19) (308,136.60)
(173,935.08) (191,328.59) (210,461.45) (231,507.59) (254,658.35) (280,124.19)
(158,122.80) (173,935.08) (191,328.59) (210,461.45) (231,507.59) (254,658.35)
(143,748.00) (158,122.80) (173,935.08) (191,328.59) (210,461.45) (231,507.59)
(130,680.00) (143,748.00) (158,122.80) (173,935.08) (191,328.59) (210,461.45)
(118,800.00) (130,680.00) (143,748.00) (158,122.80) (173,935.08) (191,328.59)
(108,000.00) (118,800.00) (130,680.00) (143,748.00) (158,122.80) (173,935.08)
(108,000.00) (118,800.00) (130,680.00) (143,748.00) (158,122.80)
(108,000.00) (118,800.00) (130,680.00) (143,748.00)
(108,000.00) (118,800.00) (130,680.00)
(108,000.00) (118,800.00)
(108,000.00)
(2,648,452.91) (3,021,298.20) (3,431,428.02) (3,882,570.83) (4,378,827.91) (4,924,710.70)
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7/27/2019 India Rent vs Buy
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19 20 21 22 23 24
(600,471.07) (660,518.18) (726,569.99) (799,226.99) (879,149.69) (967,064.66)
(545,882.79) (600,471.07) (660,518.18) (726,569.99) (799,226.99) (879,149.69)
(496,257.08) (545,882.79) (600,471.07) (660,518.18) (726,569.99) (799,226.99)(451,142.80) (496,257.08) (545,882.79) (600,471.07) (660,518.18) (726,569.99)
(410,129.82) (451,142.80) (496,257.08) (545,882.79) (600,471.07) (660,518.18)
(372,845.29) (410,129.82) (451,142.80) (496,257.08) (545,882.79) (600,471.07)
(338,950.26) (372,845.29) (410,129.82) (451,142.80) (496,257.08) (545,882.79)
(308,136.60) (338,950.26) (372,845.29) (410,129.82) (451,142.80) (496,257.08)
(280,124.19) (308,136.60) (338,950.26) (372,845.29) (410,129.82) (451,142.80)
(254,658.35) (280,124.19) (308,136.60) (338,950.26) (372,845.29) (410,129.82)
(231,507.59) (254,658.35) (280,124.19) (308,136.60) (338,950.26) (372,845.29)
(210,461.45) (231,507.59) (254,658.35) (280,124.19) (308,136.60) (338,950.26)
(191,328.59) (210,461.45) (231,507.59) (254,658.35) (280,124.19) (308,136.60)
(173,935.08) (191,328.59) (210,461.45) (231,507.59) (254,658.35) (280,124.19)
(158,122.80) (173,935.08) (191,328.59) (210,461.45) (231,507.59) (254,658.35)
(143,748.00) (158,122.80) (173,935.08) (191,328.59) (210,461.45) (231,507.59)
(130,680.00) (143,748.00) (158,122.80) (173,935.08) (191,328.59) (210,461.45)
(118,800.00) (130,680.00) (143,748.00) (158,122.80) (173,935.08) (191,328.59)
(108,000.00) (118,800.00) (130,680.00) (143,748.00) (158,122.80) (173,935.08)
(108,000.00) (118,800.00) (130,680.00) (143,748.00) (158,122.80)
(108,000.00) (118,800.00) (130,680.00) (143,748.00)
(108,000.00) (118,800.00) (130,680.00)
(108,000.00) (118,800.00)
(108,000.00)
(5,525,181.77) (6,185,699.95) (6,912,269.94) (7,711,496.93) (8,590,646.63) (9,557,711.29)
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7/27/2019 India Rent vs Buy
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25 26
(1,063,771.13) (1,170,148.24)
(967,064.66) (1,063,771.13)
(879,149.69) (967,064.66)(799,226.99) (879,149.69)
(726,569.99) (799,226.99)
(660,518.18) (726,569.99)
(600,471.07) (660,518.18)
(545,882.79) (600,471.07)
(496,257.08) (545,882.79)
(451,142.80) (496,257.08)
(410,129.82) (451,142.80)
(372,845.29) (410,129.82)
(338,950.26) (372,845.29)
(308,136.60) (338,950.26)
(280,124.19) (308,136.60)
(254,658.35) (280,124.19)
(231,507.59) (254,658.35)
(210,461.45) (231,507.59)
(191,328.59) (210,461.45)
(173,935.08) (191,328.59)
(158,122.80) (173,935.08)
(143,748.00) (158,122.80)
(130,680.00) (143,748.00)
(118,800.00) (130,680.00)
(108,000.00) (118,800.00)
(108,000.00)
(10,621,482.42) (11,791,630.66)
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7/27/2019 India Rent vs Buy
16/22
9.00 1 2 3 4 5 6
Y1 2,000,000.00 2,180,000.00 2,376,200.00 2,590,058.00 2,823,163.22 3,077,247.91
Total 2,000,000.00 2,180,000.00 2,376,200.00 2,590,058.00 2,823,163.22 3,077,247.91
House value over the years
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7/27/2019 India Rent vs Buy
17/22
7 8 9 10 11 12
3,354,200.22 3,656,078.24 3,985,125.28 4,343,786.56 4,734,727.35 5,160,852.81
3,354,200.22 3,656,078.24 3,985,125.28 4,343,786.56 4,734,727.35 5,160,852.81
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7/27/2019 India Rent vs Buy
18/22
13 14 15 16 17 18
5,625,329.56 6,131,609.22 6,683,454.05 7,284,964.92 7,940,611.76 8,655,266.82
5,625,329.56 6,131,609.22 6,683,454.05 7,284,964.92 7,940,611.76 8,655,266.82
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7/27/2019 India Rent vs Buy
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19 20 21 22 23 24
9,434,240.83 10,283,322.51 11,208,821.54 12,217,615.47 13,317,200.87 14,515,748.94
9,434,240.83 10,283,322.51 11,208,821.54 12,217,615.47 13,317,200.87 14,515,748.94
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7/27/2019 India Rent vs Buy
20/22
25 26
15,822,166.35 17,246,161.32
15,822,166.35 17,246,161.32
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7/27/2019 India Rent vs Buy
21/22
Year Total Loss from Rent Total Asset Developed from
Downpayment
Total Asset Developed
from EMI
2006 (108,000.00) 2,000,000.00 (108,000.00)
2007 (221,400.00) 2,200,000.00 (226,800.00)
2008 (340,470.00) 2,420,000.00 (357,480.00)
2009 (465,493.50) 2,662,000.00 (501,228.00)2010 (596,768.18) 2,928,200.00 (659,350.80)
2011 (734,606.58) 3,221,020.00 (833,285.88)
2012 (879,336.91) 3,543,122.00 (1,024,614.47)
2013 (1,031,303.76) 3,897,434.20 (1,235,075.91)
2014 (1,190,868.95) 4,287,177.62 (1,466,583.51)
2015 (1,358,412.39) 4,715,895.38 (1,721,241.86)
2016 (1,534,333.01) 5,187,484.92 (2,001,366.04)
2017 (1,719,049.66) 5,706,233.41 (2,309,502.65)
2018 (1,913,002.15) 6,276,856.75 (2,648,452.91)
2019 (2,116,652.25) 6,904,542.43 (3,021,298.20)
2020 (2,330,484.87) 7,594,996.67 (3,431,428.02)
2021 (2,555,009.11) 8,354,496.34 (3,882,570.83)2022 (2,790,759.57) 9,189,945.97 (4,378,827.91)
2023 (3,038,297.54) 10,108,940.57 (4,924,710.70)
2024 (3,298,212.42) 11,119,834.63 (5,525,181.77)
2025 (3,571,123.04) 12,231,818.09 (6,185,699.95)
2026 (3,857,679.20) 13,454,999.90 (6,912,269.94)
2027 (4,158,563.16) 14,800,499.89 (7,711,496.93)
2028 (4,474,491.31) 16,280,549.88 (8,590,646.63)
2029 (4,806,215.88) 17,908,604.87 (9,557,711.29)
2030 (5,154,526.67) 19,699,465.35 (10,621,482.42)
2031 (5,520,253.01) 21,669,411.89 (11,791,630.66)
You did NOT BUY House
-
7/27/2019 India Rent vs Buy
22/22
You BOUGHT House
Total Asset at the
end of the year
House Value at the
end of the year
EMI Status
1,784,000.00 2,000,000.00 Still Paying EMI
1,751,800.00 2,180,000.00 Still Paying EMI
1,722,050.00 2,376,200.00 Still Paying EMI
1,695,278.50 2,590,058.00 Still Paying EMI1,672,081.03 2,823,163.22 Still Paying EMI
1,653,127.54 3,077,247.91 Still Paying EMI
1,639,170.62 3,354,200.22 Still Paying EMI
1,631,054.53 3,656,078.24 Still Paying EMI
1,629,725.17 3,985,125.28 Still Paying EMI
1,636,241.13 4,343,786.56 Still Paying EMI
1,651,785.86 4,734,727.35 Still Paying EMI
1,677,681.10 5,160,852.81 Still Paying EMI
1,715,401.69 5,625,329.56 Still Paying EMI
1,766,591.97 6,131,609.22 Still Paying EMI
1,833,083.78 6,683,454.05 Still Paying EMI
1,916,916.40 7,284,964.92 No EMI Payment2,020,358.50 7,940,611.76 No EMI Payment
2,145,932.33 8,655,266.82 No EMI Payment
2,296,440.44 9,434,240.83 No EMI Payment
2,474,995.10 10,283,322.51 No EMI Payment
2,685,050.76 11,208,821.54 No EMI Payment
2,930,439.80 12,217,615.47 No EMI Payment
3,215,411.94 13,317,200.87 No EMI Payment
3,544,677.70 14,515,748.94 No EMI Payment
3,923,456.26 15,822,166.35 No EMI Payment
4,357,528.22 17,246,161.32 No EMI Payment