Finance
Rent vs Buy Calculator
Buying isn't always better than renting — and renting isn't always cheaper. We model both scenarios fully: home loan EMI, property appreciation, maintenance and taxes vs rising rent and the investment growth of the down payment plus monthly savings. Compare net worth at your horizon.
After 10 years
By ₹17,04,281 in net worth.
Buy
₹1,23,08,971
net worth
- Home value
- ₹1,79,08,477
- Loan left
- ₹55,99,506
- Total outflow
- ₹1,16,85,048
Rent + invest
₹1,40,13,252
net worth
- Investment corpus
- ₹1,40,13,252
- Rent paid
- ₹51,31,552
The rent scenario assumes you invest the down payment plus any monthly amount the buyer would have paid above your rent. Real-life decisions also depend on flexibility, location, and emotional factors not modelled here.
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REITs in India: How to Invest in Real Estate Without Buying Property
Real Estate Investment Trusts let you own commercial property with mutual fund-like simplicity. How REITs work in India, returns, taxation, and which ones to consider.
Renting Vs Buying A House: What Makes More Financial Sense?
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Frequently asked
- What inputs change the verdict the most?
- Home appreciation rate, expected investment return, and your horizon. Short horizons almost always favour renting; very long horizons + strong appreciation favour buying.
- Does this account for transaction costs?
- Maintenance and property tax are modelled. Stamp duty + registration (typically 6–8% one-time) and broker fees aren't yet — bake those into your home price for now.
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EMI Calculator