Rent vs Buy Home Calculator
Enter your own numbers. See which option comes out ahead: buying a home, or renting and investing the money you save.
Enter your numbers
We will compare buying a home with renting and investing the money you save.
Simple keeps only the main numbers.
If you buy
If you rent
For the future
These are only assumptions. Enter numbers you want to test.
More details
Optional. Use these only if you know them. Leave a field blank to ignore it.
Your result
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This result only uses the numbers you entered.
Today
Extra details used
What this means
Important: This comparison works only if the money saved by the cheaper option is actually invested.
Simple or Advanced — which should I use?
Use Simple if you want a quick comparison with the main numbers.
Use Advanced only if you also want to include buying costs, monthly home costs, a rent deposit or a different number of years. You can leave any optional field blank.
What is this calculator doing?
It compares two choices for the same number of years: buy the home, or rent and invest the money you save.
What does “rent + invest” mean?
If renting needs less money, the calculator assumes the saving is invested. If buying becomes cheaper later, the buyer gets that saving instead.
If the saving is not actually invested, the real-life result can be very different.
Why can the answer change?
Future home prices, rent and savings growth are not fixed. Change one number and calculate again to see how much the answer moves.
What is not included?
Tax benefits, HRA, brokerage on sale, tax on investment returns and future loan-rate changes are not included.
Important to remember
The result only compares the money side. Owning may give you more stability. Renting may give you more flexibility. The calculator does not put a rupee value on those things.
Your numbers are calculated in your browser. No phone number, email or PAN is needed.
About this result: The result uses the numbers and assumptions you enter. It is an estimate, not a prediction.