Rent vs Buy Calculator

Find out which is financially smarter — and after how many years buying breaks even.

Buying inputs

Home price (₹)

Down payment (%)

Loan rate (% p.a.)

Loan tenure (years)

Home appreciation (% p.a.)

Maintenance + tax + insurance (% of price / yr)

Renting inputs

Monthly rent (₹)

Rent growth (% p.a.)

Investment return on savings (% p.a.)

Years to compare

Monthly EMI

₹55,541

Net cost — Buy (after 15 yrs)

-₹11,26,983

Net cost — Rent (after 15 yrs)

-₹1,00,91,239

Cumulative cost over time

No break-even within 15 years

Lower line = cheaper. Where the buy line crosses below the rent line is your break-even year.

FAQ

How is 'cost of renting' computed?

Total rent paid, minus the returns you would earn by investing the down-payment and any monthly difference. This represents the opportunity cost of NOT buying.

How is 'cost of buying' computed?

Total EMIs + maintenance + property tax + insurance, minus your home equity (current home value − outstanding loan).

What is the break-even year?

The first year in which the cumulative cost of buying drops below the cumulative cost of renting. Before that year, renting is financially better.

Which assumptions matter most?

Home appreciation rate, investment return rate, and rent-growth rate dominate the result. Tweak them to your local market.