Rent vs Buy Calculator
Smart cashflow analysis to help you decide your future
The Purchase
Ongoing Expenses
Rent & Market
Results
Cost to Buy (Net Sunk Cost)
₹0
Cost to Rent (Net Sunk Cost)
₹0
| Monthly Mortgage (EMI) | ₹0 |
| Down Payment | ₹0 |
| Total Interest Paid | ₹0 |
| Maintenance, Tax & Insurance (total) | ₹0 |
| Sale Profit (Offset) | ₹0 |
| Investment Gains (Offset) | ₹0 |
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Frequently Asked Questions
Is renting always cheaper?
Not always. It heavily depends on the local rental yield, property appreciation rates, and loan interest rates in your area over your chosen time horizon.
Why should I buy instead of rent?
Buying builds an asset (equity) and offers stability, whereas rent is an expense with no return on investment. However, buying ties up capital and adds ownership costs.
Does location matter?
Yes. High appreciation areas favor buying, while high property cost but low rent areas (low rental yield) tend to favor renting and investing the difference.
Can I include tax benefits?
Yes, tax deductions on home loan principal (Section 80C) and interest (Section 24b) can significantly reduce the effective cost of buying — factor these in separately for a more precise comparison.