Make the Right Decision

🏠 Rent vs Buy Calculator

Should you rent or buy? Make a data-driven decision by comparing the true cost of renting vs buying over time. No emotional bias, just pure math.

Rent Option

Typically 5-10% in metros
Expected return on the down payment if invested

Buy Option

Historical avg: 5-8% in good locations
How long do you plan to stay?
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Our Verdict
Buying is Better!
You save ₹0 over 15 years

📊 Detailed Comparison

Complete cost breakdown over your time horizon

Cost Component
🔑 Rent
🏠 Buy
Initial Outflow
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₹0
Monthly Payments (Total)
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₹0
Maintenance & Costs
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Opportunity Cost
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₹0
Asset Value at End
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NET COST
₹0
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⏱️ Break-Even Analysis

Buying becomes better after
7 Years
If you stay less than this, renting is financially better. If you stay longer, buying wins.

📈 Cost Over Time

See how costs accumulate year by year

🤔 Beyond the Numbers

Financial math is just one part of the decision

When to Rent

  • You might relocate for career in next 5 years
  • Job stability is uncertain
  • You want flexibility and no maintenance hassle
  • Property prices are inflated (bubble territory)
  • You can invest the difference disciplinedly
  • You're young and priorities may change

When to Buy

  • You plan to stay 10+ years in the same city
  • Stable income with good job security
  • You want forced savings (EMI discipline)
  • Emotional value of owning your home
  • Tax benefits on home loan interest
  • Hedge against rental inflation