Rent vs Buy Calculator
Buying a home means a down payment and years of EMIs, while renting frees up cash you could invest. This calculator compares the net cost of buying (EMIs and down payment minus the equity and appreciation you build) against renting and investing the difference.
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Formula
Buy cost = down payment + total EMIs − home equity built. Rent cost = total rent paid − investment growth on the money you didn't tie up. The lower net cost wins.
Example
A ₹50 lakh home bought with a 20% down payment and a 20-year loan is compared against paying rent and investing the ₹10 lakh down payment plus monthly savings.
Frequently Asked Questions
Is it better to rent or buy in India?
It depends on how long you'll stay, the rent-to-price ratio, loan rate and investment returns — this calculator quantifies the trade-off for your numbers.
Does the calculator include home appreciation?
Yes. It nets the equity and price appreciation you build from the total cost of buying, and the investment growth from the cost of renting.
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- Home Loan EMI Calculator (2026 rates)
- EMI Calculator — Loan EMI, Interest & Schedule
- Loan Prepayment Calculator — Interest & Tenure Saved
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