Rent vs Buy Calculator
This rent vs buy calculator compares the real net cost of buying a home against renting an equivalent one, over however many years you plan to stay — accounting for the equity you'd build, not just the monthly payment difference. Enter your numbers to see which comes out ahead over your time horizon.
The purchase price you're considering.
As a percentage of the home price.
The rate on your home loan.
Length of the mortgage.
What renting an equivalent home would cost you today.
Property tax, insurance and maintenance combined, as a percentage of home value per year.
One-time costs to purchase (stamp duty, registration), as a percentage of home price.
Expected yearly growth in home value.
Expected yearly increase in rent.
How many years you plan to stay, to compare over.
Buying advantage over renting
सेव करने के लिए लॉग इन करें₹4,35,181
Positive means buying works out cheaper over the comparison period; negative means renting does.
Frequently asked questions
Why does the comparison period matter so much?+
Buying has large upfront costs (down payment, stamp duty, registration) that only pay off over time as you build equity. Stay a short time and those costs dominate; stay long enough and the equity built usually outweighs them. There's typically a 'break-even' point somewhere in between.
Does this include the opportunity cost of the down payment?+
No — this model doesn't assume you'd otherwise invest the down payment and earn a return on it. Including that would generally make renting look relatively more attractive, especially over shorter comparison periods.
Does this include selling costs when I eventually sell the home?+
No — brokerage and other selling costs aren't included in the home equity figure. Factor these in yourself if you're close to the break-even point either way.
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