Smart decision tool

Buy vs Rent Calculator

Should you buy or keep renting? Compare 10-year total cost across both options — accounting for EMI, rent escalation, property appreciation, and your savings rate.

Your assumptions

Property Price

Down Payment%

Loan Rate%

Loan Tenure yrs

Monthly Rent

Annual Rent Increase%

Property Appreciation%/yr

Investment Return%/yr

Comparison Period years

After years…

Buy this property Renting is cheaper

over years.

If you BUY

Down payment
Monthly EMI
Total EMI paid (y)
Property worth after y
Net Cost

If you RENT

Starting rent
Total rent paid (y)
Down payment invested
Annual rent hike%
Net Cost

How it works: We assume your down payment, if not used, is invested at your stated return rate. Rent escalates yearly. Property appreciates yearly. Net cost = total outflow − asset value at end of period. Real-world taxes, maintenance, and broker fees are not included.

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