Rent vs Buy Calculator

Home price

₹

Down payment

Home loan interest rate (p.a.)

Loan tenure

yrs

Property tax + maintenance (per year)

% of price

Home price appreciation (p.a.)

Current monthly rent for a similar home

₹

Annual rent increase

Return if renter invests the difference (p.a.)

Compare over

yrs

If you buy — net worth at end of horizon (home equity)₹0

If you rent & invest the difference — net worth at end of horizon₹0

Result₹0

Assumes the renter invests their down payment upfront, plus the monthly saving whenever renting costs less than the buyer's EMI + maintenance, at your chosen investment return. Maintenance is estimated as a flat % of the original home price each year. This is a simplified model — actual outcomes depend on real rent/price movements in your specific location.

How this works

full month-by-month simulation comparing home equity vs. invested savings over your chosen horizon

This calculator gives an illustrative estimate only and is not financial, tax, or investment advice. Actual figures may vary based on your lender, fund, or applicable rules. Please verify with a licensed advisor before making a decision.