Rent vs Buy Calculator
Compare the true cost of renting vs buying a home — factoring in EMI, rent, property appreciation, investment opportunity cost, maintenance, and tax benefits. Get a clear break-even year and net worth comparison over your chosen horizon.
Buying — your home loan scenario
These numbers describe what happens if you purchase: price, loan, upkeep, and how fast the home might grow in value.
Buy: price of the home (₹)
Buy: down payment (how much you pay upfront, % of price)
Buy: home loan interest rate (% per year)
Buy: how long you will pay the loan (years)
Buy: expected yearly increase in home value (%)
Buy: yearly maintenance (as % of current home value)
Renting — staying a tenant and investing the down payment
If you rent, we assume you keep the same cash you would have put as down payment and invest it instead, while paying rent.
Rent: monthly rent for a similar home (₹)
Rent: how much your rent goes up each year (%)
Rent: yearly return if you invest that down payment instead (%)
Same amount as "Buy: down payment" above — we only grow that lump sum for the renter side.
Comparison
Over how many years should we compare buy vs rent?
On these numbers, buying leaves you about ₹43.60 L better off than renting after 10 years (illustrative only).
First year the buyer's side pulls ahead on this sheet: around year 1. We compare net worth on the buy path (home value − loan + tax relief on loan interest − maintenance) with net worth on the rent path (your down payment invested at the rate you chose). Monthly rent is not subtracted from either line here—use the rent fields to judge monthly affordability separately.
Buy: approximate EMI on your loan
Buy: down payment (also what the renter invests)
Rent: total rent in year 1
Rent: total rent in year 10 (with increases)
Net worth paths (₹ Lakhs)
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