Buy vs. Rent Calculator

Compare the total cost of buying a home vs. renting over 10-20 years. Factor in EMI, appreciation, and opportunity costs of the down payment.

The Buy vs. Rent Calculator is a multi-variable decision tool that goes beyond simple monthly outflow comparisons. In many Indian cities, the monthly EMI for a property is nearly double the monthly rent for the same home. This calculator accounts for the 'Opportunity Cost'—the returns you could have earned if your down payment and the monthly 'EMI-Rent' gap were invested in a portfolio like mutual funds. It also considers the benefits of homeownership, such as long-term property appreciation, Section 24(b) tax deductions, and the emotional security of a permanent roof. By simulating both scenarios over 10, 15, or 20 years, it shows which path leads to higher net wealth at the end of the term.