Rent vs Buy Calculator
Compare the net cost of buying a home versus renting and investing the difference.
Buying inputs
Renting inputs
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
₹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.