Rent vs Buy Calculator
Run the numbers on buying vs renting over your planned horizon — including EMI, interest, and rent inflation.
Doesn't include home appreciation or rent investment returns — a rough cashflow comparison.
What Really Matters
The break-even is driven by three things: mortgage interest, rent inflation, and your planned horizon. Own for 3 years and you'll almost always lose; own for 15 and you'll almost always win. This tool shows the crossover point.
Frequently Asked Questions
When does buying beat renting?
Usually after 7–10 years of ownership, when interest front-loading ends and appreciation plus equity beat the rent-paid + invested-down-payment alternative.
What rent hike % should I assume?
In India, 5–8% annual. In stable markets like Singapore/Dubai, 3–5%. Your city's CPI-rent index is the best historical guide.
Does buying always appreciate?
No — 2013–2019 in many Indian metros saw flat or negative real returns. Location, infra, and timing matter more than national averages.
What costs am I missing?
Maintenance (1%/year of home value), property tax, HOA/society fees, and repair reserves. Renters skip all of these — factor them in.