Rent vs Buy Calculator
Compare renting vs buying a home over 10 years — all costs included.
An ₹80 lakh flat vs ₹25,000 rent: over 10 years, buying usually wins if you stay 7+ years and appreciation beats ~5% — renting wins for short stays because buying’s upfront costs (stamp duty, registration, brokerage ~7–10%) take years to recover.
How to use the rent vs buy calculator
- Enter property price and equivalent rent.
- Set loan rate, hikes and appreciation.
- See which option costs less over your stay.
Rent vs Buy Calculator — FAQs
Is renting just throwing money away?
No — rent buys flexibility and avoids maintenance, property tax and interest. The ‘wasted rent’ framing ignores that early EMIs are also mostly interest.
How long should I stay for buying to win?
Typically 7–10 years in Indian metros, because ~7–10% upfront transaction costs need time to amortise.
What appreciation should I assume?
Be conservative: 4–6% for most Indian residential property. Past booms don’t repeat reliably.
Does this include tax benefits?
It factors the cost side; add old-regime home-loan tax benefits (§80C + §24) separately if you claim them — they tilt the math toward buying.
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