Planning
Rent vs Buy Calculator
Should you rent or buy a home? Get a data-driven answer
Popular Calculators
Enter Details
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Results
Total Rent Cost—
Total Buy Cost (net)—
Buying Saves / Costs Extra—
Rent Cost
Net Buy Cost
Example Calculations
Quick reference scenarios to validate your planning
| Scenario | Result |
|---|---|
| ₹80L flat, ₹25K rent, 8.5% loan, 10 yrs, 6% appreciation | Buying saves ₹12L over 10 years |
How It Works
Formula, methodology and key concepts explained
The rent vs buy decision is one of the biggest financial choices. This calculator compares: Renting (total rent paid, escalating each year) vs Buying (EMI payments + down payment – property value at end of period). Opportunity cost of down payment is also considered.
Pro Tips for Planning
Expert guidance to get the most out of your calculation
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Frequently Asked Questions
Common questions about Rent vs Buy Calculator
- Not always. Buying makes sense if property appreciates faster than rent escalation + investment returns on your down payment. In high-price cities (Mumbai, Delhi), the break-even can be 12–15 years. In Tier-2 cities, buying is often better sooner.
- Your down payment (20%) could instead be invested in equity markets returning 12%. The forgone returns on this investment is the opportunity cost of buying — it must be factored into the comparison.
Key Numbers to Know
Benchmark figures for Planning planning in India
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Disclaimer: All calculations are estimates for planning purposes only. Results are based on the inputs you provide and assume constant rates. Actual returns may vary due to market conditions, inflation, tax law changes, and other factors. This is not financial advice. Consult a SEBI-registered investment advisor for personalised guidance. GST rates and income tax slabs are as per latest available information (FY 2025-26) and may change.
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