Formula used
Calculates reducing-balance EMI, estimated rent, ownership costs, future home value and the opportunity cost of the down payment.
Example calculation
Small changes in appreciation and investment return can reverse the outcome.
Rent vs Buy Calculator India
Enter your values
Estimated results
Loan amount
Monthly EMI
Estimated future home value
Estimated total rent
Estimated ownership costs
Potential invested down-payment value
Buy-side net asset estimate
Rent-side net asset estimate
Buy-side advantage
Detailed breakdown
Result visual
Compare outputs within each unit group. Bars show magnitude; exact values include any negative sign. Each group uses its own scale.
Amounts (Rs)
Loan amount₹64,00,000
Monthly EMI₹55,541
Estimated future home value₹2,12,26,382
Estimated total rent₹1,10,35,677
Inputs used in this result
- Home price
- 80,00,000 Rs
- Down payment
- 16,00,000 Rs
- Home-loan rate
- 8.5 %
- Comparison period
- 20 years
- Current monthly rent
- 25,000 Rs
- Annual rent increase
- 6 %
- Annual home appreciation
- 5 %
- Annual ownership-cost rate
- 1 %
- Return on invested down payment
- 10 %
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Educational estimate only
How to use this calculator
Compare renting with buying after loan interest, rent growth, home appreciation, maintenance and investing the down payment.
Educational estimate only
Results can vary based on company policy, lender terms, tax law, and personal assumptions.
FAQs
Does a positive result mean I should buy?
No. It only means the entered assumptions favour buying mathematically.
What if I don't know future home appreciation?
Use a conservative rate for your city; the comparison is most reliable when appreciation and rent-growth assumptions are realistic rather than optimistic.