Rent vs Build vs Buy Calculator Nepal
Compare renting, buying a completed home, and buying land plus building over the same time horizon, including loans, maintenance, rent escalation, and ending equity.
| Option | Cash paid | Ending equity | Net cost | Monthly equivalent |
|---|---|---|---|---|
| Rent | NPR 45,28,041 | NPR 0 | NPR 45,28,041 | NPR 37,734 |
| Buy | NPR 1,38,69,238 | NPR 1,35,80,561 | NPR 2,88,677 | NPR 2,406 |
| Build | NPR 1,04,01,928 | NPR 1,01,85,421 | NPR 2,16,508 | NPR 1,804 |
How this works
Rent is accumulated with annual escalation. Buy and build use reducing-balance financing; their net cost equals down payment, loan payments, and maintenance minus the equity remaining at the end of the comparison period.
Worked example
Compare ten years of NPR 30,000 rent with a NPR 1.2 crore ready home and a NPR 90 lakh land-plus-build plan using the same loan assumptions.
FAQ
Does the build figure include land?
Yes. Enter the combined market cost of land, design, approvals, construction, contingency, and owner-side expenses.
Why can net cost be negative?
Strong appreciation can make estimated ending equity exceed cash paid. That is a projection, not guaranteed profit.
Are taxes and transaction fees included?
No. Add registration, taxes, brokerage, rent deposit, and selling costs to your own decision.