Rent vs Buy Calculator
Compare the long-term financial outcome of renting versus buying a home.
Better Choice After 15 Years
Renting
₹0 more net wealth
Net Wealth If Buying
₹0
Net Wealth If Renting
₹0
Ready to make the move?
Whether you're renting or buying, an advisor can help you plan the financing.
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What is a Rent vs Buy Calculator?
A rent vs buy calculator compares two financial paths over the same time horizon: buying (paying a down payment and EMIs, ending up owning a home that has appreciated) versus renting (paying rent that rises each year, while investing what would have been the down payment elsewhere). Whichever path leaves higher net wealth at the end wins under your assumptions.
The result is highly sensitive to two inputs in particular — how fast the home appreciates and what return you would realistically earn investing the down payment elsewhere — so it is worth running this a few times with different assumptions rather than trusting a single result.