Rent vs Buy Calculator
Updated July 2026
Compare the total financial cost of renting versus buying a home over a chosen time period — including EMI, maintenance, appreciation and opportunity cost.
Rent vs Buy
Frequently Asked Questions
Is buying always better than renting long-term?
Not always — it depends heavily on property appreciation, rent growth, your investment returns if you rent and invest the difference, and how long you stay in one place.
What does this calculator assume?
It compares total EMI + maintenance − property appreciation (buying) against total rent − returns from investing your down payment and any EMI-rent surplus elsewhere (renting), over your chosen period.
What factors aren't included in this calculator?
Loan interest tax benefits, stamp duty and registration costs, brokerage, rent deposits, and moving costs are excluded — treat the result as directional, not a final answer.