Rent vs Buy Calculator
Compare the total cost of renting vs buying a home over 10-20 years, including appreciation and maintenance.
Quick Summary: Rent vs Buy Calculator
In most Indian metros, renting is mathematically cheaper if rental yields are <3% and loan rates are >8.5%, unless property appreciation exceeds 7% annually. In FY 2026-27, with the New Tax Regime removing Section 24(b) benefits for most, the 'Renter' often wins if they invest the EMI-Rent difference in equity mutual funds.
How to use the Rent vs Buy Calculator
- 1
Enter Monthly Rent
Input the rent for a property similar to the one you wish to buy.
- 2
Enter Property Details
Input the purchase price, down payment, and home loan rate.
- 3
Select Tax Regime
Choose between Old or New regime to account for HRA and interest tax shields.
- 4
Review Breakeven Year
Identify the year when the buyer's equity exceeds the renter's projected investment corpus.
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Regulatory Disclaimer
Last verified May 2026
Nature:Calculator platform and is NOT a SEBI-registered Investment Adviser. All calculations are indicative.
Risk:"Investments in securities market are subject to market risks. Read all related documents carefully before investing."
Consult a SEBI-registered IA or CA for personalised advice.
9 out of 10 traders in F&O incurred net losses (SEBI 2023). Tax estimates based on IT Act 2025. Trezoriq is not liable for financial decisions based on results.