What is it?
The Rent vs Buy Calculator compares two paths over the same period: buying a home with a loan, or renting a similar home and investing the money you would have spent on buying.
Who is it for?
Families and young professionals deciding whether to buy a home now or keep renting.
How to use it
- Buying: Home price, Down payment, Loan rate, Loan years, Upkeep, tax, insurance and how fast the Home value grows.
- Renting: Rent for a similar home a month, how fast Rent rises, and the Return if you invest instead.
- Choose how long to Compare over. Read If you buy: home value minus loan left and If you rent and invest: your investments.
Fair assumptions
- In many Indian cities, rent is only 2–3% of the home’s price a year, which often favours renting financially.
- Home prices have grown 4–8% a year in many places, but not everywhere or every decade.
- Be honest about the investment return and whether you would really invest the difference every month.
What it leaves out
It is a simple comparison that ignores taxes, stamp duty and selling costs, and assumes the renter invests the down payment and whatever buying would have cost above the rent. Stamp duty and registration (5–8%) and brokerage favour renting for short stays. Security of your own home, freedom to move, and tax benefits on home loans are real factors the numbers can’t capture.
This is an estimate to help you plan, not financial or tax advice. For big decisions, check the latest rules and talk to a qualified adviser.
Errors and how to fix them
- Unrealistic result: check growth and return are yearly percentages.
Open the tool: Rent vs Buy Calculator
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Questions, or an error not listed here?
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