Rent vs Buy Calculator
Compare the financial impact of renting vs buying a home. Make an informed decision based on your situation.
Results
Monthly EMI (20 years)
₹0
Total Rent (10 years)
₹0
Property Value (10 years)
₹0
How to Use Rent vs Buy Calculator
- 1
Enter property price and down payment
- 2
Input monthly rent for similar property
- 3
Specify loan rate and appreciation
- 4
Compare costs over time
Rent vs Buy Calculator Formula
Compare: Total buying cost (EMI + maintenance + taxes) vs Total rent (with annual increase) + investment returns on down paymentExample Calculation
Input Values
Property Price
₹1,00,00,000
Down Payment
₹20,00,000
Monthly Rent for Similar Property
₹35,000
Home Loan Interest Rate
8.5 %
Expected Property Appreciation
5 %
Results
Monthly EMI (20 years)
₹69,424
Total Rent (10 years)
₹54,48,000
Property Value (10 years)
₹1,62,88,946
Frequently Asked Questions
When is buying better than renting?
Buying is better if you plan to stay 5+ years, property appreciates, and EMI is affordable without stress.
What is the price-to-rent ratio?
Property price divided by annual rent. Below 15 favors buying, above 20 favors renting.
What hidden costs of buying should I consider?
Registration, stamp duty (5-7%), maintenance, property tax, insurance, and repairs.