Home Rent vs Buy Calculator

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Rent vs Buy

Rent vs Buy Calculator

Find out whether renting or buying a home is financially better for you.

Rent vs Buy Inputs

Property Price (₹) Market price of the house you plan to buy. Down Payment (₹) Amount paid upfront. Loan Interest Rate (% per annum) Home loan interest rate. Loan Tenure (Years) Total loan duration.

Current Monthly Rent (₹) Rent you are currently paying. Annual Rent Increase (%) Expected yearly rent escalation. Property Appreciation (% per year) Expected increase in property value.

Calculate to see recommendation.

How Rent vs Buy Works

This calculator compares:

Total rent paid over the years
Total home loan interest paid
Final property value after appreciation

Buying usually makes sense for long-term stays, while renting may be better for short-term flexibility.

Is buying always better?
No, depends on tenure and appreciation.

Does this include tax benefits?
No, this is a conservative estimate.

What tenure favors buying?
Usually 7+ years.