Rent vs Buy Calculator

Make a data-backed decision. See if buying or renting makes you wealthier over 20 years.

Buying Details

Home Price

₹

Down Payment

Loan Tenure

Loan Interest Rate

Home Appreciation

% / yr

Expected yearly increase in property value.

Renting Details

Monthly Rent

₹

Rent Inflation

% / yr

Inv. Return

% / yr

Return on investing the saved down payment & EMI difference.

VerdictRenting is Better

Save 0

by renting and investing over 20 years.

Buying

Final Net Worth

0

Property Value - Pending Loan

Renting

Final Net Worth

0

Accumulated Investments

Net Worth Projection

Analysis

Buying works best if you plan to stay for 20+ years and property appreciation (6%) stays higher than inflation. Renting works if you can disciplinedly invest the gap amount (₹19,713 initially) at 12% return.

How to Use

About the Rent vs Buy Calculator

What it calculates

This rent vs buy calculator models mortgage payments, rental yield, and buy-vs-rent scenarios for property decisions. Decide whether to buy a home or rent and invest.

When to use it

Use when evaluating home loans, investment properties, or comparing renting versus buying.

Example

Adjust the inputs above to model your specific scenario with the Rent vs Buy Calculator.

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