Rent vs Buy Calculator (India)
EMI + opportunity cost of down payment versus rent + investing the difference — the honest Indian metro comparison.
Formula
In Indian metros the rent-to-price ratio is ~2.5-3.5%, among the world's lowest — renting the same flat costs far less than its EMI, and the gap invested in equities historically compounded faster than property. The answer flips with high appreciation or low price-to-rent cities. Run your own numbers, not the builder's.
Excludes registration, maintenance, tax breaks (80C/24b) and emotional value — directionally honest, not exhaustive. Not financial advice — for informational and analytical use only. Verify all figures with a qualified professional before acting on them.
Need rent vs buy calculator results fast? Analysts, founders, traders and finance professionals use the Rent vs Buy Calculator to skip the spreadsheet and get a defensible answer in one step — free, private and instant.
About Rent vs Buy Calculator (India)
EMI + opportunity cost of down payment versus rent + investing the difference — the honest Indian metro comparison. In Indian metros the rent-to-price ratio is ~2.5-3.5%, among the world's lowest — renting the same flat costs far less than its EMI, and the gap invested in equities historically compounded faster than property. The answer flips with high appreciation or low price-to-rent cities. Run your own numbers, not the builder's. The governing relationship is buyer: property − loan balance; renter: down + Σ(EMI−rent) compounded. The Rent vs Buy Calculator computes entirely in your browser — free, private (your figures never leave your device) and instant, recalculating live as you change any input.
How to use Rent vs Buy Calculator (India)
- 1Enter Property price (₹), Down payment (%), Home loan rate (%), Equivalent monthly rent (₹), Annual rent escalation (%), Return on invested savings (%) into the Rent vs Buy Calculator.
- 2The result is computed automatically using buyer: property − loan balance; renter: down + Σ(EMI−rent) compounded — there is no button to press.
- 3Change any input to model a different scenario, then copy or share the result.
Why use Rent vs Buy Calculator (India)?
- ✓Computes rent vs buy calculator instantly with the correct formula — no spreadsheet needed
- ✓100% free and unlimited, with no sign-up, login or paywall
- ✓Runs entirely in your browser, so the figures you enter stay private
- ✓Shows the formula, a live worked example and references so you can defend the number
Frequently asked questions
What is the formula behind the Rent vs Buy Calculator?+
Rent vs Buy Calculator uses buyer: property − loan balance; renter: down + Σ(EMI−rent) compounded. In Indian metros the rent-to-price ratio is ~2. The tool substitutes your actual inputs into this relationship and shows the worked example step by step.
What inputs does the Rent vs Buy Calculator need?+
Enter Property price (₹), Down payment (%), Home loan rate (%), Equivalent monthly rent (₹), Annual rent escalation (%), Return on invested savings (%) and the result updates immediately — there is no button to press. Change any value to model a different scenario in real time.
Is the Rent vs Buy Calculator free, and is my data private?+
Yes — it is completely free with no sign-up or usage limit, and it runs entirely in your browser, so the numbers you enter are never uploaded or stored on any server. Excludes registration, maintenance, tax breaks (80C/24b) and emotional value — directionally honest, not exhaustive. It is for informational and analytical use, not financial advice.
What should I watch out for when using the Rent vs Buy Calculator?+
5-3.5%, among the world's lowest — renting the same flat costs far less than its EMI, and the gap invested in equities historically compounded faster than property. The answer flips with high appreciation or low price-to-rent cities. Run your own numbers, not the builder's.
What is the Rent vs Buy Calculator based on?+
The method follows authoritative sources: RBI housing price index; rent-yield surveys. The formula and references are shown on the page so you can verify and cite the result.
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