Housing Decision

Rent vs Buy
Calculator

True 10-year comparison. Includes opportunity cost, stamp duty, maintenance, and break-even year.

Property Details

Property Price

₹

Down Payment20%

10%80%

Home Loan Interest Rate8.5%

6%15%

Loan Tenure20 yrs

5 yrs30 yrs

Property Value Growth7%

1%15%

Stamp Duty5%

2%8%

Annual Maintenance0.5%

0%2%

Renting Alternative

Current Monthly Rent

₹

Annual Rent Growth5%

0%15%

Inv. Return if Down Payment Invested12%

6%20%

Comparison Horizon10 yrs

5 yrs30 yrs

Monthly EMI

₹55,541

Upfront Cost

20.80 L

Down: 16.00 L + Stamp: 4.00 L

Property in 10yr

1.57 Cr

Buy Net Position in 10yr

+20.83 L

Equity minus all buying costs

Rent Net Position in 10yr

+26.87 L

Down payment invested minus rent

🏡 Renting Wins over 10 years

Renting and investing the down payment puts you ahead by 6.04 L over 10 years.

Break-even year: Year 4 — buying equity surpasses renting alternative.

Rent vs BuyCalculator