Rent vs Buy Calculator
Compare the long-term financial cost of renting versus buying a home based on your property price, rent, loan, appreciation and investment assumptions.
Enter Your Details
Compare the estimated financial impact of renting versus buying a property.
🏠 Property Details
🏘️ Rental Details
📊 Property Assumptions
📅 Comparison Period
How it works
The calculator considers loan payments, rent increases, property appreciation, maintenance, property tax and potential investment returns.
Rent vs Buy Result
Estimated comparison based on your inputs.
Your comparison will appear here
Enter your property and rental details, then click Compare Rent vs Buy.
Should You Rent or Buy a Home?
The decision to rent or buy depends on more than just comparing monthly rent with a home loan EMI. Property appreciation, rent increases, maintenance, property taxes, loan interest and the potential return from investing your down payment can all affect the result.
How the Rent vs Buy Calculator Works
This calculator estimates the financial outcome of both options over a selected period. For buying, it considers the down payment, home loan EMI, loan interest, maintenance, property taxes and estimated property appreciation.
For renting, it considers the initial monthly rent, annual rent increases and the potential investment return from money that could otherwise be used as a down payment.
Factors to Consider
- • Home purchase price and down payment
- • Home loan interest rate and tenure
- • Current monthly rent
- • Expected annual rent increase
- • Expected property appreciation
- • Maintenance and property taxes
- • Potential investment return
- • How long you expect to live in the property
Important Disclaimer
This calculator provides an estimate for educational and planning purposes only. Actual property costs, loan interest, taxes, maintenance, rental growth, property appreciation and investment returns may be different. Consider consulting a qualified financial professional before making a major financial decision.