Rent vs buy calculator

Both sides spend money each month. Whichever spends less invests the difference, and after the years you choose the calculator compares what each side owns. Everything runs in your browser; nothing you type is saved or sent.

Rent or buy

Wealth after a number of years either way, on your assumptions.

Home price (₹)

₹80 lakh

Down payment (% of price)

Loan rate (% a year)

Loan tenure (years)

Stamp duty, registration and other buying costs (% of price)

Maintenance and property tax (% of value a year)

Rent for a similar home (₹ a month)

₹25,000

Rent increase (% a year)

Your assumed price growth (% a year)

Return on money not spent (% a year)

Compare after (years)

Renting leaves you ahead after 10 years

₹21,21,324

Buying: home worth ₹1,30,31,157, net wealth ₹85,51,552

Renting: invested savings ₹1,06,72,876

EMI ₹55,541

Whichever side spends less each month invests the difference at your assumed return. Price growth is your assumption, not a forecast. Tax is ignored. City-by-city figures from live listings are on the insights pages.

Common questions

Is it better to rent or buy in India?

It depends on the price-to-rent ratio, how long you stay, the loan rate and what your savings would earn. The calculator lets you test each of these on your own numbers.

Does the calculator predict prices?

No. Price growth is an assumption you enter. Try a few values to see how sensitive the answer is.