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Buy vs Rent Calculator

The honest math behind 'should I buy or rent?' — with adjustable assumptions so you can model your exact scenario.

The honest math behind "should I buy or rent?"

Property Price (₹)

Current Monthly Rent (₹)

Down Payment %

Home Loan Interest Rate %

Expected Annual Appreciation %

Rent Inflation (% per year)

Annual increase in rent

Equity Return (% CAGR)

Expected return if you invest instead

Investment Horizon (years)

Verdict

—

Cost Comparison (10 years)

Total Cost of Buying₹1,46,02,626

— EMI Payments₹1,19,02,626

— Down Payment₹20,00,000

— Registration & Stamp (est. 7%)₹7,00,000

Less: Property Value₹1,62,88,946

Net Cost of Buying₹-16,86,320

Total Rent Paid₹37,73,368

Investment Returns (12%)₹56,85,790

Net Cost of Renting₹-19,12,422

Registration & stamp duty estimated at 7%. Use our Stamp Duty Calculator for exact numbers.

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