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· Quick search anywhere with Ctrl + KShould you rent or buy a home? Compare total costs over your chosen horizon — mortgage EMI, maintenance, property tax, home appreciation, and opportunity cost on the down payment. Informational only.
Down payment: ₹10,00,000
Investment Return = if down payment were invested instead
| Year | Buy Cost (cum.) | Rent Cost (cum.) | Buy vs Rent |
|---|---|---|---|
| 2 | ₹22,37,610 | ₹6,15,000 | -₹1,13,844 |
| 4 | ₹32,44,317 | ₹12,93,038 | +₹1,12,613 |
| 6 | ₹42,72,480 | ₹20,40,574 | +₹4,35,197 |
| 8 | ₹53,24,751 | ₹28,64,733 | +₹8,59,368 |
| 10 | ₹64,04,111 | ₹37,73,368 | +₹13,89,941 |
Positive = buying is cheaper (net of equity); negative = renting is cheaper (net of investment).
Informational only — not financial advice. Actual outcomes depend on many factors not modelled here. Consult a qualified financial advisor before making housing decisions.
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The rent-vs-buy decision is usually the largest financial choice of a person's life. Break-even depends on dozens of variables simultaneously. This calculator models all of them so you see the complete picture before deciding, not just compare EMI to rent.
See whether buying makes financial sense at your price point and timeframe
Compare a builder's offer to your current rent with real numbers
Decide whether to rent or buy in a new city based on local appreciation
Model different down payment and tenure scenarios to optimise your decision
Enter home price, down payment, mortgage rate, maintenance, taxes, and appreciation — then your rent, rent growth, and investment return assumption. A year-by-year simulation shows the break-even point, cumulative costs for both paths, and equity vs investment value at your chosen horizon.
Disclaimer: This calculator is for educational and planning purposes only. It does not constitute financial advice. Consult a registered financial advisor before making housing decisions.
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