Rent vs Buy Calculator
Enter property price, EMI details, current rent, and your time horizon. The calculator shows you total cost of buying vs renting — including appreciation — and the exact year buying becomes cheaper.
Property Price (₹)
Down Payment (%)
Loan Rate (%)
Loan Tenure (yrs)
Monthly Rent (₹)
Rent Rise / yr (%)
Appreciation / yr (%)
Your Horizon (yrs)
₹40 L
Down Payment
₹1,41,394
Monthly EMI
Yr 4
Break-even
🏠 Buying wins over 10 years
Buying saves ~₹1.86 Cr vs renting after accounting for ₹10% appreciation
₹-99 L
Net cost of buying
₹87 L
Total rent paid
Cumulative cost over time
Yr1
Yr2
Yr3
Yr4
Yr5
Yr6
Yr7
Yr8
Yr9
Yr10
Net buy costCumulative rent
💡 Net buy cost = down payment + EMIs paid + maintenance − property appreciation gain. Financial District has averaged +10–12% appreciation since 2022. Adjust the slider to test scenarios.