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Rent vs Buy Calculator

Compare renting vs buying a home in India. Factors in EMI, appreciation, tax benefits, investment returns.

Buy

₹
%
%
yr
%
₹
%

Rent

₹
%
₹

Comparison Settings

5 years30 years
%

Net Gain from Buying

₹22,68,922

over 10 years

Net Gain from Renting

₹29,19,688

over 10 years

Renting + Investing is cheaper

You save ₹6,50,766 over 10 years by renting

Cumulative Cash Outflow

Y1
₹18,02,555
₹3,40,000
Y2
₹22,55,110
₹5,92,000
Y3
₹27,07,665
₹8,56,600
Y4
₹31,60,221
₹11,34,430
Y5
₹36,12,776
₹14,26,152
Y6
₹40,65,331
₹17,32,459
Y7
₹45,17,886
₹20,54,082
Y8
₹49,70,441
₹23,91,786
Y9
₹54,22,996
₹27,46,375
Y10
₹58,75,552
₹31,18,694
Buy
Rent
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Disclaimer: This calculator is for informational and educational purposes only.
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Frequently Asked Questions

How does the rent vs buy calculator work?+
It compares the total cost of renting versus buying a home over a given period, factoring in EMI, down payment, appreciation, rent increases, and investment returns on savings.
Is it better to rent or buy in India?+
It depends on factors like property prices, rent, expected appreciation, and your investment returns. This calculator helps you compare both options with your specific numbers.
What factors does the calculator consider?+
Property price, down payment, loan interest rate, tenure, monthly rent, annual rent increase, property appreciation rate, and expected return on alternative investments.