Rent vs Buy Calculator India
Should you rent or buy a home in India? Compare the true cost of renting vs buying over any time horizon, including home equity, investment opportunity cost, and tax benefits.
Rent
Based on your inputs, renting and investing the difference looks better.
Total cost of buying over 10 years
P/R ratio: 25-28x₹88,
vs renting: ₹37,73,368
Home equity at end
₹1,
Investment corpus (rent path)
₹1,
| Year | Buying cost | Split | Renting cost | Home equity |
|---|---|---|---|---|
| 1 | ₹26,80,833 | ₹3,00,000 | ₹26,79,414 | |
| 2 | ₹33,61,665 | ₹6,15,000 | ₹34,08,583 | |
| 3 | ₹40,42,498 | ₹9,45,750 | ₹41,91,183 | |
| 4 | ₹47,23,331 | ₹12,93,038 | ₹50,31,168 | |
| 5 | ₹54,04,164 | ₹16,57,689 | ₹59,32,783 | |
| 6 | ₹60,84,996 | ₹20,40,574 | ₹69,00,593 | |
| 7 | ₹67,65,829 | ₹24,42,603 | ₹79,39,503 | |
| 8 | ₹74,46,662 | ₹28,64,733 | ₹90,54,788 | |
| 9 | ₹81,27,495 | ₹33,07,969 | ₹1,02,52,116 | |
| 10 | ₹88,08,327 | ₹37,73,368 | ₹1,15,37,581 |
Frequently asked questions
EMI Calculator
Work out your monthly loan instalment and total interest payable.
Home Loan EMI Calculator
Plan your home loan EMIs and see the full repayment schedule.
Education Loan Calculator
Estimate EMIs for an education loan, including any moratorium period.
Car Loan EMI Calculator
Work out your monthly car loan instalment and total interest payable.
This model includes EMI, maintenance (1% p.a.), property tax (0.5% p.a.), and one-time registration costs for the buy path. Rent path assumes the down payment is invested at12% p.a. This is a simplified comparison for planning purposes.