Rent vs Buy Calculator

Compare the true financial cost of renting vs buying a home in India

Property Details

Property Price

₹

e.g. 80,00,000 for ₹80 lakhs

Down Payment

Stamp Duty

Typically 4–7%, varies by state

Registration Charges

Expected Property Appreciation

% p.a.

Indian metros historically 5–8%

Annual Maintenance

% of value

Society charges, repairs, upkeep

Home Loan

Interest Rate

% p.a.

Current SBI / HDFC rates: 8.5–9.5%

Loan Tenure

years

Rental Details

Current Monthly Rent

₹

Annual Rent Increase

% p.a.

Typical landlord hike in Indian cities

Investment & Tax (Old Regime)

Alternative Investment Return

% p.a.

Expected return if down payment was invested (equity MF, FD, etc.)

Marginal Tax Rate

80C (principal up to ₹1.5L) + Sec 24(b) (interest up to ₹2L) — Old Regime only

Analysis Period

How many years to compare?

years

15–25 years recommended for meaningful comparison

Key Metrics

Monthly EMI

—

Break-even Year

—

Total Tax Savings

—

80C + Sec 24(b) over loan period

Down Payment Opportunity Cost

—

Net Worth Over Time

Buyer vs Renter — Wealth Comparison

Year-by-Year Breakdown

Buying — Year 1 Snapshot

Monthly EMI—

→ Interest portion (Yr 1)—

→ Principal portion (Yr 1)—

Annual Maintenance—

Tax Saving — 80C (Yr 1)—

Tax Saving — Sec 24(b) (Yr 1)—

Stamp Duty + Registration—

Net outflow (Yr 1)—

Renting — Snapshot

Monthly Rent (today)—

Annual Rent (Yr 1)—

Annual Rent (Yr 10)—

Total Rent Paid—

Down Payment Invested—

Portfolio Value (end)—

Buyer Net Worth (end)—

Renter Net Worth (end)—

Loan Repayment Structure

Annual Interest vs Principal Paid

Verdict

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Estimates based on your inputs. Actual property appreciation, rent hikes, and investment returns will vary. Section 80C & 24(b) tax benefits apply under the Old Tax Regime only. Consult a SEBI-registered financial advisor before making property decisions.