Rent vs Buy Calculator

Compare the true long-term cost of buying vs renting a home in India.

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Educational Purpose Only: Results are estimates. Actual costs depend on maintenance, taxes, rental escalation, and market conditions.

Property Value (₹)

Down Payment (%)

Home Loan Rate (% p.a.)

Loan Tenure (years)

Monthly Rent (₹)

Expected Property Appreciation (% p.a.)

Investment Return on Down Payment (% p.a.)

Time Horizon (years)

How it works

This calculator compares two scenarios over your chosen time horizon. In the buying scenario, you pay a down payment upfront, then EMIs every month. At the end of the period, your property has (hopefully) appreciated in value — that gain offsets your total outgo. In the renting scenario, you pay monthly rent, but you also have the freedom to invest the down payment elsewhere (such as in mutual funds), generating investment returns that partially offset your rent payments.

The option with the lower net cost is highlighted as the better financial choice over your chosen time horizon. Keep in mind that buying also provides intangible benefits like stability and ownership that are not captured purely in numbers.

This calculator is for educational and illustrative purposes only. Actual costs depend on property taxes, maintenance, rental escalation, and market conditions. Consult a financial advisor before making major property decisions.