Rent vs Buy Calculator

See which leaves you richer after a few years: buying with a loan, or renting and investing.

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Preparing rent vs buy calculator

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How to use Rent vs Buy Calculator

Enter the property price, loan details and the rent for a similar home.
Set the price growth, rent rise and the return you expect on investments.
Read which option leaves more wealth, the break-even year and the year-by-year table.

Read the detailed guide →

What are the limits of Rent vs Buy Calculator?

Ignores income tax benefits on home loans (sections 24(b), 80C) and tax on investment gains, so results are before tax. Future growth rates are guesses. It compares money only, not comfort, security or freedom to move. Nothing you enter leaves your device.

Year	Home value (₹)	Loan left (₹)	Buy wealth (₹)	Rent wealth (₹)	Rent paid so far (₹)
1	84,80,000	62,72,625	20,37,775	28,44,836	3,00,000
2	89,88,800	61,33,992	26,75,032	35,87,630	6,15,000
3	95,28,128	59,83,105	33,54,461	43,93,703	9,45,750
4	1,00,99,816	58,18,880	40,78,939	52,68,888	12,93,038
5	1,07,05,805	56,40,140	48,51,549	62,19,579	16,57,689
6	1,13,48,153	54,45,600	56,75,590	72,52,787	20,40,574
7	1,20,29,042	52,33,865	65,54,596	83,76,202	24,42,603
8	1,27,50,785	50,03,415	74,92,354	95,98,258	28,64,733
9	1,35,15,832	47,52,595	84,92,920	1,09,28,206	33,07,969
10	1,43,26,782	44,79,605	95,60,641	1,23,76,198	37,73,368
11	1,51,86,388	41,82,485	1,07,00,176	1,39,53,372	42,62,036
12	1,60,97,572	38,59,102	1,19,16,519	1,56,71,953	47,75,138
13	1,70,63,426	35,07,135	1,32,15,023	1,75,45,358	53,13,895
14	1,80,87,232	31,24,057	1,46,01,430	1,95,88,316	58,79,590
15	1,91,72,466	27,07,119	1,60,81,897	2,18,16,996	64,73,569

Year

Home value (₹)

Loan left (₹)

Buy wealth (₹)

Rent wealth (₹)

Rent paid so far (₹)

84,80,000

62,72,625

20,37,775

28,44,836

3,00,000

89,88,800

61,33,992

26,75,032

35,87,630

6,15,000

95,28,128

59,83,105

33,54,461

43,93,703

9,45,750

1,00,99,816

58,18,880

40,78,939

52,68,888

12,93,038

1,07,05,805

56,40,140

48,51,549

62,19,579

16,57,689

1,13,48,153

54,45,600

56,75,590

72,52,787

20,40,574

1,20,29,042

52,33,865

65,54,596

83,76,202

24,42,603

1,27,50,785

50,03,415

74,92,354

95,98,258

28,64,733

1,35,15,832

47,52,595

84,92,920

1,09,28,206

33,07,969

1,43,26,782

44,79,605

95,60,641

1,23,76,198

37,73,368

1,51,86,388

41,82,485

1,07,00,176

1,39,53,372

42,62,036

1,60,97,572

38,59,102

1,19,16,519

1,56,71,953

47,75,138

1,70,63,426

35,07,135

1,32,15,023

1,75,45,358

53,13,895

1,80,87,232

31,24,057

1,46,01,430

1,95,88,316

58,79,590

1,91,72,466

27,07,119

1,60,81,897

2,18,16,996

64,73,569

Year	Home value (₹)	Loan left (₹)	Buy wealth (₹)	Rent wealth (₹)	Rent paid so far (₹)
1	84,80,000	62,72,625	20,37,775	28,44,836	3,00,000
2	89,88,800	61,33,992	26,75,032	35,87,630	6,15,000
3	95,28,128	59,83,105	33,54,461	43,93,703	9,45,750
4	1,00,99,816	58,18,880	40,78,939	52,68,888	12,93,038
5	1,07,05,805	56,40,140	48,51,549	62,19,579	16,57,689
6	1,13,48,153	54,45,600	56,75,590	72,52,787	20,40,574
7	1,20,29,042	52,33,865	65,54,596	83,76,202	24,42,603
8	1,27,50,785	50,03,415	74,92,354	95,98,258	28,64,733
9	1,35,15,832	47,52,595	84,92,920	1,09,28,206	33,07,969
10	1,43,26,782	44,79,605	95,60,641	1,23,76,198	37,73,368
11	1,51,86,388	41,82,485	1,07,00,176	1,39,53,372	42,62,036
12	1,60,97,572	38,59,102	1,19,16,519	1,56,71,953	47,75,138
13	1,70,63,426	35,07,135	1,32,15,023	1,75,45,358	53,13,895
14	1,80,87,232	31,24,057	1,46,01,430	1,95,88,316	58,79,590
15	1,91,72,466	27,07,119	1,60,81,897	2,18,16,996	64,73,569