Rent vs Buy Calculator

Compare the net cost of buying a home versus renting and investing the difference.

Buying inputs

Currency

Home price

Down payment

Mortgage rate (%)

Loan term (years)

Annual maintenance %

Annual property tax

Annual appreciation (%)

Selling cost (% of sale)

Renting inputs

Monthly rent

Rent growth: 7.0% / year

Investment return on saved money: 10.0%

Time horizon: 10 years

Buying — net cost

₹13,30,331

Total EMIs + down + maint/tax − home equity at sale

Renting — net cost

₹-66,75,303

Total rent − investment gains on saved money

Recommendation

Renting wins

₹80,05,634

better off by this amount over 10 years

Rent vs Buy Calculator

The Rent vs Buy Calculator compares the full economic cost of two housing paths over the same time horizon. It is not just rent versus EMI — it also weighs opportunity cost, equity build-up, taxes, and maintenance.

What the calculator models

Buy — down payment + total EMIs + property tax + maintenance − the equity you walk away with when the home is sold (after appreciation, remaining loan, and selling fees).
Rent — total rent (growing each year) minus the investment growth on the difference between buying outflows and rent, started with the down payment.

When buying typically wins

Long horizons (10+ years), high rent-to-price ratios, strong appreciation, modest investment returns.

When renting typically wins

Short stays, low rent compared to price, weak appreciation, strong alternative returns on invested savings.

What the calculator models

Buy — down payment + total EMIs + property tax + maintenance − the equity you walk away with when the home is sold (after appreciation, remaining loan, and selling fees).
Rent — total rent (growing each year) minus the investment growth on the difference between buying outflows and rent, started with the down payment.

When buying typically wins

Long horizons (10+ years), high rent-to-price ratios, strong appreciation, modest investment returns.

When renting typically wins

Short stays, low rent compared to price, weak appreciation, strong alternative returns on invested savings.