Rent (Lease) vs Buy Land Calculator
Should you lease land or buy it? Compare your net worth after N years, including appreciation and the return on money you don’t spend.
Inputs
years
Buy
₹
₹ 30 Lakh
%
% p.a.
₹
₹ 10 Thousand
%
Lease
₹
₹ 60 Thousand
% p.a.
% p.a.
Leasing leaves you richer by
₹3,28,912
after 10 years
Net worth if you buy
₹61.63 L
Land after selling costs, less holding costs
Net worth if you lease
₹64.92 L
Invested capital after rent
Buying pays off from
Not within horizon
Net worth over time
Summary
- Upfront cost to buy
- ₹32,10,000
- Land value after 10 years
- ₹64,76,775
- Total rent paid if leasing
- ₹7,54,674
- Difference in final net worth
- Lease +₹3,28,912
How this calculator works
Buying locks capital into land that appreciates. Leasing keeps capital free to earn returns elsewhere, but you pay rising rent. The better choice is the one leaving you wealthier at the end of your horizon.