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Rent vs Buy Calculator

Buying is compared net of the equity you build and the property's appreciation; renting is compared net of the returns on the down payment you invest instead. The verdict changes sharply with your time horizon.

Rent vs Buy Calculator

Should you buy a home now or keep renting and invest the difference?

Blank gray fields need your amounts. Gray values are recommended starting assumptions and can also be changed. Green fields have been entered or changed.

Monthly EMI
₹0
Net cost of buying
₹0
Net cost of renting
₹0
Verdict
Renting

Renting and investing the down payment works out cheaper by ₹0 over 10 years. Buying is compared net of the equity you build and the property's appreciation; renting is compared net of returns on the down payment you invest instead. Add stamp duty, registration, maintenance and society charges — typically 8–10% upfront and 0.5–1% a year — before deciding.

How to use this calculator

  • Use realistic appreciation — property does not grow at equity rates in most cities.
  • Add stamp duty, registration and maintenance: typically 8–10% upfront and 0.5–1% a year.
  • Test several horizons; buying usually needs 10 years or more to win.

Frequently asked questions

Is it better to rent or buy?
In high-price, low-yield metros the maths often favours renting over shorter horizons, because rental yields are low relative to prices. Buying tends to win when you will stay 10 years or more and the EMI stays under 35–40% of take-home pay.
Does this calculator include tax benefits?
No. Home-loan tax benefits depend on your tax regime and loan structure, so treat the output as a pre-tax comparison and adjust for your own situation.

Turn this number into an actual roadmap

A calculator gives you a target. Getting there needs the right asset mix, insurance in place first, and a review every six months. The first consultation is free.

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Disclaimer: Calculations are illustrative and assume constant returns. Mutual fund investments are subject to market risks. Read all scheme related documents carefully.