How to Use This Renting vs Buying Calculator
This renting vs buying calculator is built for the Indian housing market. Enter your current monthly rent, expected annual rent increase, and the return you could earn by investing your savings. On the buying side, enter the property price, down payment percentage, home loan interest rate, tenure, expected appreciation, maintenance costs, and stamp duty. Set how long you plan to stay, and the calculator instantly compares both paths.
What the Renting vs Buying Calculator Shows You
The results panel shows your monthly EMI versus your current rent, the total upfront cost of buying (down payment plus stamp duty and registration), the total amount paid over your stay period under each option, and the projected net worth at the end of that period — home equity if you buy, versus an investment corpus if you rent and invest the difference. Most importantly, it identifies the break-even year: the point at which buying overtakes renting in terms of net worth.
Renting vs Buying Calculator: Key Inputs Explained
Annual rent increase typically ranges from 4–8% in most Indian cities. Property appreciation varies by location — use a conservative 5–7% unless you have strong local data. The expected investment return represents what your down payment money could earn elsewhere, such as in equity mutual funds or index funds, and is central to fairly comparing renting vs buying.
