Buy vs. Rent Calculator

Stop guessing. See the real numbers — net worth impact, break-even year, and opportunity cost — for Houses, Vehicles and Other Assets in India.

Renter invests savings at 11% (equity)6% Stamp Duty + 1% BrokerageMaintenance + Tax + Renovation (inflating)Rental Vacancy + Turnover Costs2% Selling Friction + 12.5% LTCG

Property Details

Property Price

₹

Down Payment %

Home Loan Rate

% p.a.

Loan Tenure

years

Property Appreciation

% p.a.

Buying Brokerage

Operational Costs

Maint + Tax %

% p.a.

Renovation/Capex

% p.a.

Expense Inflation

% p.a.

Rent & Vacancy

Current Monthly Rent

₹

Annual Rent Hike

Vacancy & Brokerage

Exit Costs & Tax

Selling Costs

Property LTCG Tax

Monthly Prepayment

₹

Your Tax Bracket

Old Tax Regime

Analysis Period

years

Return on Savings

% p.a.

Swiss Knife Summary

By renting, you'd be ₹58.48 L richer in 15 years.

Renting + investing the savings wins financially over this period.

Buyer Net Worth

₹1.40 Cr

After 15 years

Final Property Value

₹1.66 Cr

Appreciated @ 5% p.a.

Renter Portfolio

₹1.99 Cr

Invested at 11% p.a.

No Break-even

Renting wins

When buying finally beats renting

Total Interest Paid

₹67.39 L

Acquisition Cost

₹5.60 L

Stamp Duty + Brokerage

Maintenance Paid

₹23.80 L

Inflated at 6% p.a.

LTCG Tax on Sale

₹10.37 L

@ 12.5% flat

Selling Cost

₹3.33 L

2% on exit price

Tax Saved (Sec 24b+80C)

₹15.58 L

At 30% bracket

Net Worth Trajectory

Buyer Net WorthRenter Portfolio

Pro Tips

PMAY Subsidy: If your income is under ₹18L/yr, check PMAY CLSS for 3-6.5% interest subsidy via scheduled banks.

LTCG on Property Sale: Post-2024 Budget: LTCG on property is 12.5% without indexation (if held >2 years). Plan exit carefully.

NRI Buyers: NRIs face 30%+ TDS on sale proceeds. Ensure proper repatriation compliance.

Opportunity Cost: The renter's edge comes from investing the down payment at 11% (equity) — requires discipline.

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LeakedRewards.in

Buy vs Rent Calculator (House)

Hi, based on my data

Here is what I found:

15-Year Opportunity Cost

Renting wins short-term

What this means

Buyer Net Worth: ₹1.40 Cr vs Renter: ₹1.99 Cr

Property Price

₹80.00 L

Down Payment

20%

Loan EMI

₹57,582/mo

Total Interest

₹67.39 L

Wanna check yours?

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leakedrewards.in

Buy vs Rent Calculator (House)

Renting wins short-term

Buyer Net Worth: ₹1.40 Cr vs Renter: ₹1.99 Cr

Property Price: ₹80.00 L

Down Payment: 20%

Loan EMI: ₹57,582/mo

This calculator is for educational purposes only. All projections assume constant rates. Actual returns, rental yields, and property values vary significantly. Consult a SEBI-registered financial planner before major financial decisions.