Rent vs Buy
Compare the real financial cost of renting versus buying.
ⓘ How this works
Deciding whether to rent or buy a home isn't just about the monthly rent versus the EMI (loan installment) — buying ties up your down payment and involves ongoing maintenance, while renting frees that money to be invested elsewhere. This calculator projects both paths over your chosen time horizon and shows which one likely leaves you financially better off.
Your inputs
Monthly rent
₹
Rent escalation / yr
%
Home price
₹
Down payment
%
Loan rate
%
Loan tenure
yrs
Maintenance / yr
%
Home appreciation
%
Alt. investment return
%
Horizon
yrs
Your result
Renting is cheaper by
₹33.5L
Net cost of renting-₹44.8L
Net cost of buying-₹11.3L
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