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Rent vs Buy Calculator
Compare the long-term financial outcome of renting vs buying a home over your expected holding period.
How to use it
Enter rent, home price, down payment, loan terms and holding period; adjust appreciation and investment assumptions separately.
When it helps
Explore how a longer holding period or a higher loan rate changes the comparison.
Worked example
A home priced at 5,000,000 with a 20% down payment requires 1,000,000 upfront before other costs.
Assumptions and privacy
Calculations run in your browser. Results are estimates based on your inputs and the model shown, with rounding differences possible. They do not replace a lender quote, payroll review, tax filing or professional advice. Confirm rates and rules for your situation before using the result.
About this calculator
Buying builds equity but ties up your down payment and adds maintenance costs; renting keeps you liquid but builds no equity. This projects both paths over your holding period - including what your down payment could have earned if invested instead - and shows which comes out ahead.
Good to know
Frequently asked questions
What does 'Renting wins' actually mean here?
It means that, under your inputs, investing your down payment plus the monthly cash you'd save by renting (instead of paying EMI + maintenance) grows to a larger sum than the net equity you'd have in a home over the same period.
What assumptions does this make?
Maintenance is estimated as a percentage of the original purchase price per year, invested surplus compounds monthly at your entered return rate, and the comparison ignores income-tax benefits on home loan interest and rent deposits/brokerage - all of which can shift the real answer.
Which input matters most?
The assumed investment return rate and property appreciation rate usually swing the result the most - small changes to either can flip the verdict, so it's worth testing a few scenarios rather than trusting one run.
quick_facts.json
{
"runs_in_browser": true,
"data_sent_to_server": false,
"signup_required": false,
"price": "free",
"category": "Loans & EMI"
}
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