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Rent vs. Buy

Find out when buying becomes cheaper than renting.

home

Buying Scenario

Property Price₹50,00,000

Down Payment20% (₹10,00,000)

Mortgage Rate

Loan Duration

Yrs

apartment

Renting Scenario

Monthly Rent₹20,000

Rent Increase

Insurance/Mo

₹

Analysis Complete

Renting is cheaper long-term

Based on a 20-year hold, investing the downpayment outpaces home equity.

Total Savings (20 Yrs)

+₹43,19,524

Net Equity Generated

₹84,88,723

Out of Pocket (Buy)

₹1,25,41,516

Out of Pocket (Rent)

₹79,35,829

Cumulative Ledger

Year	Buying Cost	Buying Equity	Renting Cost	Net Difference
1	₹16,80,655	₹9,20,609	₹2,40,000	₹-6,00,546
2	₹22,14,709	₹11,52,485	₹4,92,000	₹-7,57,205
3	₹27,52,264	₹13,96,377	₹7,56,600	₹-9,19,947
4	₹32,93,426	₹16,53,091	₹10,34,430	₹-10,88,706
5	₹38,38,301	₹19,23,501	₹13,26,152	₹-12,63,376
6	₹43,87,002	₹22,08,546	₹16,32,459	₹-14,43,806
7	₹49,39,643	₹25,09,241	₹19,54,082	₹-16,29,793
8	₹54,96,343	₹28,26,685	₹22,91,786	₹-18,21,078
9	₹60,57,223	₹31,62,062	₹26,46,375	₹-20,17,335
10	₹66,22,409	₹35,16,654	₹30,18,694	₹-22,18,168
11	₹71,92,030	₹38,91,846	₹34,09,629	₹-24,23,099
12	₹77,66,219	₹42,89,138	₹38,20,110	₹-26,31,562
13	₹83,45,113	₹47,10,149	₹42,51,116	₹-28,42,887
14	₹89,28,853	₹51,56,636	₹47,03,672	₹-30,56,297
15	₹95,17,584	₹56,30,498	₹51,78,855	₹-32,70,889
16	₹1,01,11,457	₹61,33,791	₹56,77,798	₹-34,85,623
17	₹1,07,10,625	₹66,68,744	₹62,01,688	₹-36,99,308
18	₹1,13,15,248	₹72,37,770	₹67,51,772	₹-39,10,584
19	₹1,19,25,489	₹78,43,485	₹73,29,361	₹-41,17,906
20 (Break-even)	₹1,25,41,516	₹84,88,723	₹79,35,829	₹-43,19,524

Rent vs Buy Calculator

Compare the long-term cost of renting versus buying a home. Use this simple and free calculator to get instant results.

What is Rent vs Buy Calculator?

This tool helps you quickly perform calculations related to rent vs buy calculator.

Formula Used

Standard formulas and mathematical principles are applied.

Result = Input Values Processed

How to Use This Calculator — Step by Step

1
Enter your values into the calculator.
2
Click calculate.
3
View your results instantly.

Real-Life Example

Many users in India and globally use this to simplify their daily calculations.

Key Benefits

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Fast and accurate
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Free to use
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No registration required
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Privacy first (client-side)

Common Mistakes to Avoid

✗
Entering incorrect units
✗
Making typos in numbers

Who Should Use This Calculator?

Students verifying homework

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Personal finance planning

Frequently Asked Questions

Conclusion

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