Rent vs Buy Calculator
Compare total renting vs buying costs with loan EMI, rent hikes and home growth to see which option saves you more
Home & Rent Details
Results
Buying cost = down payment + all EMIs. Renting cost = rent compounded yearly. Home value shown for context, not deducted.
About this Tool
The Rent vs Buy Calculator pits lifetime renting costs against homeownership costs over your chosen horizon. It combines down payment plus loan EMIs on the buying side with annually-compounding rent on the other, then crowns a winner with a buy/rent multiple.
Common Use Cases
First Home Decision
Check whether buying beats renting in your city before house-hunting.
Relocation Planning
Compare short stays (renting usually wins) against long settles.
Down Payment Trade-offs
See how a bigger down payment shrinks the buying total.
Rent Hike Stress Test
Raise expected rent growth to see when buying starts winning.
Pro Tips
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Horizon Matters Most
Buying usually needs 7-10+ years to beat renting after upfront costs.
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Watch the Multiple
A multiple near 1.0x means lifestyle, not money, should decide.
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Growth Rates Swing It
Small changes in rent growth or home appreciation flip close calls.
FAQs
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