Rent Vs Buy Calculator India

Rent vs Buy Calculator

Compare buying a home with renting a similar home and investing the difference

Buying Details

Property Price

Down Payment

% of property price

Home Loan Interest Rate % per year

Loan Tenure Years — leave blank if paying fully in cash

Stamp Duty & Registration

% of property price

Annual Owner Costs

Maintenance, repairs & property tax per year

Renting Details

Current Monthly Rent For a comparable home

Annual Rent Increase % per year

Refundable Security Deposit Returned at the end; only its opportunity cost is modeled

Comparison Assumptions

Comparison Period Years you expect to stay

Property Appreciation % per year

Investment Return % per year on invested surplus

Include home loan tax benefit

Your Income Tax Slab

Approximates Section 80C (up to ₹1.5L/yr on principal) + Section 24(b) (up to ₹2L/yr on interest), Old Tax Regime, self-occupied property only. Assumes your full 80C limit is free for this — reduce your slab estimate if you already use 80C elsewhere. The New Tax Regime does not allow these deductions. Renters may separately be eligible for HRA exemption, which isn't modeled here.

Selling Cost

% of property value when sold

Home Insurance ₹ per year

Other Buying Costs Interiors, legal, brokerage or other one-time costs

Loan Processing & Other Fees

Other Owner-Only Monthly Cost Only costs a renter of the same home would not pay

Rental Brokerage / Moving Cost One-time non-refundable renter cost

Other Renter Monthly Cost Charges paid by the renter but not included in rent

For a fair comparison, use the price and rent of a similar home. The model gives both choices the same starting cash and assumes whichever option costs less each month invests the difference. Every field above is optional except property price and comparison period — leave anything else blank to treat it as zero.

Modeled Outcome

—

Buying

Monthly EMI—

Initial Cash Needed—

Property Value at End—

Loan Balance at End—

Ending Wealth—

Renting + Investing

Starting Investment—

Ending Monthly Rent—

Total Rent + Extras Paid—

Ending Wealth—

Buying Wealth Renting + Investing Wealth

Year-by-year wealth comparison

Year	Property	Loan	Rent/mo	Buy Wealth	Rent Wealth	Difference

What this doesn't capture: HRA tax exemption a salaried renter may separately claim, the liquidity and flexibility of renting, the time and hassle of home maintenance, moving/relocation friction, and the emotional or lifestyle value of ownership. Property appreciation and investment returns are assumptions, not guarantees.

This is a financial model, not a prediction. Property appreciation, investment returns, rent growth, transaction costs and actual loan terms can materially change the result. Tax figures are a simplified estimate under the Old Tax Regime for a self-occupied property — consult a tax advisor for your exact situation.