Rent vs Buy Calculator India
Compare a simplified renting scenario with a home-buying scenario using property appreciation, rent increases, home-loan assumptions and an alternative investment return for your cash.
What the model considers
- Future property value from the appreciation assumption
- Home-loan balance after the analysis period
- Total rent paid with annual rent increases
- Future value of the down payment if invested instead
For a better decision: Add property taxes, maintenance, stamp duty, registration, brokerage, insurance, rent deposits, tax effects and investment taxes in a spreadsheet if they materially affect your situation. This simplified calculator does not model every cost.
Frequently asked questions
Does this tell me whether I should buy?No. It models the assumptions you enter. A different appreciation, rent-growth or investment-return assumption can materially change the result.
Is property appreciation guaranteed?No. Property values can rise, remain flat or fall depending on location, market conditions and property characteristics.
Important: This is an educational scenario calculator, not investment or financial advice. Consider your cash flow, liquidity, time horizon and personal circumstances before making a property decision.