Rent vs Buy Calculator
Compare renting and owning with real numbers. Adjust rent, property cost, loan terms, and appreciation to see what works best for your goals.
Input Parameters
Quick examples
Rs
5000200000
Rs
1000000100000000
Rs
012000000
%
020
yrs
140
%
020
Advanced Assumptions
%
015
%
05
%
120
Result
Buying is better
Buying saves you ₹23,53,202 compared to renting over 20 years.
EMI
₹82,443
Total Rent Paid
₹84,00,000
Total Ownership Cost
₹60,46,798
Advanced Analysis
Rent with 5% Annual Growth
₹1,38,87,701
vs ₹84,00,000 flat
Down Payment in SIP (12% p.a.)
₹2,41,15,733
Opportunity cost: +₹2,16,15,733
Break-even Year
Year 13
Buying becomes cheaper than renting in year 13
Related article
Should You Rent or Buy a House in India? →A deep-dive into EMI costs, property appreciation, opportunity cost, and how to make the right decision for your life stage.