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)Stamp duty 6% (buyer)Maintenance 0.1%/mo of property valueRent hike default 7%No indexation LTCG 12.5%

Property Details

₹
%
% p.a.
years
% p.a.

Rent & Tax

₹
%
%
Old Tax Regime
years
% p.a.
Swiss Knife Summary
By renting, you'd be ₹84.73 L richer in 15 years.
Renting + investing the savings wins financially over this period.
Buyer Net Worth
₹1.54 Cr
After 15 years
Final Property Value
₹1.66 Cr
Appreciated @ 5% p.a.
Renter Portfolio
₹2.39 Cr
Invested at 11% p.a.
No Break-even
Renting wins
When buying finally beats renting
Total Interest Paid
₹67.39 L
Stamp Duty
₹4.80 L
6% on property price
Tax Saved (Sec 24b+80C)
₹15.58 L
At 30% bracket

Net Worth Trajectory

22.16 L76.34 L1.31 Cr1.85 Cr2.39 CrYr 1Yr 4Yr 7Yr 10Yr 13Yr 15
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.

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.