How do I use the Rent vs Buy Calculator?

Enter the home price, how much you'd put down, and your loan terms. Enter the rent you'd pay and how much it's likely to increase each year. Add your assumptions for home price growth, annual maintenance, and investment returns on the down payment. Hit Calculate to see which option leaves you better off financially after your chosen timeframe.

Is the Rent vs Buy Calculator free?

Yes, the Rent vs Buy Calculator on ToolHaven is completely free to use. No signup or registration is required.

Rent vs Buy Calculator

The rent vs buy debate is more complicated than it looks. This compares your net worth after a chosen number of years in both scenarios - factoring in EMI, rent escalation, home appreciation, maintenance, and what you'd earn investing the down payment instead.

Note

This is a simplified model (no taxes, transaction costs, stamp duty, brokerage, vacancy, or varying interest rates). Use it for directional decisions.

Home Price (₹)

Down Payment (%)

Loan Rate (%/yr)

Loan Tenure (years)

Comparison Period (years)

Monthly Rent (₹)

Rent Increase (%/yr)

Investment Return (%/yr)

Home Appreciation (%/yr)

Maintenance (% of price/yr)

Invest monthly cost difference (rent vs buy)

How to use

Enter the home price, how much you'd put down, and your loan terms.
Enter the rent you'd pay and how much it's likely to increase each year.
Add your assumptions for home price growth, annual maintenance, and investment returns on the down payment.
Hit Calculate to see which option leaves you better off financially after your chosen timeframe.

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Disclaimer: Results are estimates for informational purposes only and do not constitute financial, tax, or investment advice. Figures may vary based on actual terms. Always consult a qualified financial advisor before making financial decisions.