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INFOSYS₹1,520.00▼18.20(1.18%)•
WIPRO₹475.00▲5.60(1.19%)•
RELIANCE₹2,890.00▲34.50(1.21%)•
TCS₹3,650.00▼28.10(0.76%)•
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BHARTI AIRTEL₹1,650.00▲22.80(1.40%)•
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ITC₹445.00▲3.20(0.72%)•
KOTAK BANK₹1,780.00▲14.60(0.83%)•
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AXIS BANK₹1,080.00▲9.50(0.89%)•
BAJAJ FINANCE₹7,200.00▲85.40(1.20%)•
MARUTI₹12,400▼150.00(1.19%)•
ASIAN PAINTS₹2,850.00▲18.90(0.67%)•
HCLTECH₹1,420.00▼16.30(1.14%)•
TITAN₹3,250.00▲42.60(1.33%)•
ADANI PORTS₹1,380.00▼22.40(1.60%)•
POWER GRID₹310.00▲4.80(1.57%)•
NTPC₹365.00▲6.20(1.73%)•
SUNPHARMA₹1,680.00▼8.50(0.50%)•
NIFTY 50₹22,500▲125.30(0.56%)•
SENSEX₹74,200▲412.50(0.56%)•
BANK NIFTY₹48,300▼210.40(0.43%)•
TATA MOTORS₹780.00▲12.45(1.62%)•
INFOSYS₹1,520.00▼18.20(1.18%)•
WIPRO₹475.00▲5.60(1.19%)•
RELIANCE₹2,890.00▲34.50(1.21%)•
TCS₹3,650.00▼28.10(0.76%)•
HDFC BANK₹1,580.00▲15.20(0.97%)•
ICICI BANK₹1,120.00▲8.90(0.80%)•
SBI₹820.00▼5.30(0.64%)•
BHARTI AIRTEL₹1,650.00▲22.80(1.40%)•
HUL₹2,380.00▼12.40(0.52%)•
ITC₹445.00▲3.20(0.72%)•
KOTAK BANK₹1,780.00▲14.60(0.83%)•
LT₹3,420.00▼45.20(1.30%)•
AXIS BANK₹1,080.00▲9.50(0.89%)•
BAJAJ FINANCE₹7,200.00▲85.40(1.20%)•
MARUTI₹12,400▼150.00(1.19%)•
ASIAN PAINTS₹2,850.00▲18.90(0.67%)•
HCLTECH₹1,420.00▼16.30(1.14%)•
TITAN₹3,250.00▲42.60(1.33%)•
ADANI PORTS₹1,380.00▼22.40(1.60%)•
POWER GRID₹310.00▲4.80(1.57%)•
NTPC₹365.00▲6.20(1.73%)•
SUNPHARMA₹1,680.00▼8.50(0.50%)•
NIFTY 50₹22,500▲125.30(0.56%)•
SENSEX₹74,200▲412.50(0.56%)•
BANK NIFTY₹48,300▼210.40(0.43%)•
TATA MOTORS₹780.00▲12.45(1.62%)•
INFOSYS₹1,520.00▼18.20(1.18%)•
WIPRO₹475.00▲5.60(1.19%)•
RELIANCE₹2,890.00▲34.50(1.21%)•
TCS₹3,650.00▼28.10(0.76%)•
HDFC BANK₹1,580.00▲15.20(0.97%)•
ICICI BANK₹1,120.00▲8.90(0.80%)•
SBI₹820.00▼5.30(0.64%)•
BHARTI AIRTEL₹1,650.00▲22.80(1.40%)•
HUL₹2,380.00▼12.40(0.52%)•
ITC₹445.00▲3.20(0.72%)•
KOTAK BANK₹1,780.00▲14.60(0.83%)•
LT₹3,420.00▼45.20(1.30%)•
AXIS BANK₹1,080.00▲9.50(0.89%)•
BAJAJ FINANCE₹7,200.00▲85.40(1.20%)•
MARUTI₹12,400▼150.00(1.19%)•
ASIAN PAINTS₹2,850.00▲18.90(0.67%)•
HCLTECH₹1,420.00▼16.30(1.14%)•
TITAN₹3,250.00▲42.60(1.33%)•
ADANI PORTS₹1,380.00▼22.40(1.60%)•
POWER GRID₹310.00▲4.80(1.57%)•
NTPC₹365.00▲6.20(1.73%)•
SUNPHARMA₹1,680.00▼8.50(0.50%)•
NIFTY 50₹22,500▲125.30(0.56%)•
SENSEX₹74,200▲412.50(0.56%)•
BANK NIFTY₹48,300▼210.40(0.43%)•
TATA MOTORS₹780.00▲12.45(1.62%)•
INFOSYS₹1,520.00▼18.20(1.18%)•
WIPRO₹475.00▲5.60(1.19%)•
RELIANCE₹2,890.00▲34.50(1.21%)•
TCS₹3,650.00▼28.10(0.76%)•
HDFC BANK₹1,580.00▲15.20(0.97%)•
ICICI BANK₹1,120.00▲8.90(0.80%)•
SBI₹820.00▼5.30(0.64%)•
BHARTI AIRTEL₹1,650.00▲22.80(1.40%)•
HUL₹2,380.00▼12.40(0.52%)•
ITC₹445.00▲3.20(0.72%)•
KOTAK BANK₹1,780.00▲14.60(0.83%)•
LT₹3,420.00▼45.20(1.30%)•
AXIS BANK₹1,080.00▲9.50(0.89%)•
BAJAJ FINANCE₹7,200.00▲85.40(1.20%)•
MARUTI₹12,400▼150.00(1.19%)•
ASIAN PAINTS₹2,850.00▲18.90(0.67%)•
HCLTECH₹1,420.00▼16.30(1.14%)•
TITAN₹3,250.00▲42.60(1.33%)•
ADANI PORTS₹1,380.00▼22.40(1.60%)•
POWER GRID₹310.00▲4.80(1.57%)•
NTPC₹365.00▲6.20(1.73%)•
SUNPHARMA₹1,680.00▼8.50(0.50%)•
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Real Estate Planner

Rent vs Buy Calculator

Should you rent or buy a house? Compare total costs and find the break-even year.

Configure Scenario

₹
₹10,00,000₹50,00,00,000
%
0 %100 %
% p.a.
5 % p.a.15 % p.a.
Years
5 Years30 Years
₹
₹1,000₹5,00,000
%
0 %15 %
% p.a.
0 % p.a.15 % p.a.
% of price
0 % of price5 % of price
% of price
0 % of price3 % of price
% p.a.
5 % p.a.20 % p.a.

Opportunity cost of down payment if invested

Years
5 Years30 Years
Monthly EMI
₹55,541
for 20 years on ₹64.00 L loan
Total Buy Cost
₹1.95 Cr
Total Rent Paid
₹99.20 L
Property Value
₹2.12 Cr
Investment Portfolio
₹5.57 Cr
Renting is Better

You save ₹4.40 Cr over 20 years

Break-even: Year 1

Continue Renting & Invest

Renting saves you ₹4.40 Cr over 20 years.

Buying breaks even at Year 1. After that, ownership costs less than renting.

Monthly EMI
₹55,541
for 20 years
Property Value
₹2.12 Cr
after 20 years at 5% p.a.
Investment Portfolio
₹5.57 Cr
if renting & investing at 12% p.a.

Cumulative Net Cost: Buying vs Renting

Net cost = total outflow minus asset value. Lower is better. Buying breaks even at Year 1.

Side-by-Side Comparison

Total outflow, asset value, and net cost after 20 years

Year-by-Year Breakdown

Annual costs, cumulative net costs, and asset values for both paths

YearRent/yrBuy Cost/yrCum. Rent NetCum. Buy NetPropertyInvestment
1Break-even₹3.00 L₹7.86 L-₹26,38,499-₹54,53,512₹84.00 L₹29.38 L
2₹3.15 L₹7.92 L-₹31,89,355-₹50,81,024₹88.20 L₹38.04 L
3₹3.31 L₹7.99 L-₹38,22,205-₹47,23,235₹92.61 L₹47.68 L
4₹3.47 L₹8.05 L-₹45,47,914-₹43,80,882₹97.24 L₹58.41 L
5₹3.65 L₹8.12 L-₹53,78,736-₹40,54,736₹1.02 Cr₹70.36 L
6₹3.83 L₹8.20 L-₹63,28,480-₹37,45,606₹1.07 Cr₹83.69 L
7₹4.02 L₹8.27 L-₹74,12,712-₹34,54,345₹1.13 Cr₹98.55 L
8₹4.22 L₹8.35 L-₹86,48,971-₹31,81,845₹1.18 Cr₹1.15 Cr
9₹4.43 L₹8.44 L-₹1,00,57,020-₹29,29,044₹1.24 Cr₹1.34 Cr
10₹4.65 L₹8.53 L-₹1,16,59,123-₹26,96,927₹1.30 Cr₹1.54 Cr
11₹4.89 L₹8.62 L-₹1,34,80,357-₹24,86,530₹1.37 Cr₹1.77 Cr
12₹5.13 L₹8.72 L-₹1,55,48,968-₹22,98,937₹1.44 Cr₹2.03 Cr
13₹5.39 L₹8.82 L-₹1,78,96,765-₹21,35,288₹1.51 Cr₹2.32 Cr
14₹5.66 L₹8.93 L-₹2,05,59,567-₹19,96,782₹1.58 Cr₹2.64 Cr
15₹5.94 L₹9.04 L-₹2,35,77,703-₹18,84,674₹1.66 Cr₹3.01 Cr
16₹6.24 L₹9.16 L-₹2,69,96,580-₹18,00,286₹1.75 Cr₹3.41 Cr
17₹6.55 L₹9.28 L-₹3,08,67,315-₹17,45,002₹1.83 Cr₹3.86 Cr
18₹6.88 L₹9.42 L-₹3,52,47,450-₹17,20,279₹1.93 Cr₹4.37 Cr
19₹7.22 L₹9.55 L-₹4,02,01,756-₹17,27,644₹2.02 Cr₹4.94 Cr
20₹7.58 L₹9.70 L-₹4,58,03,134-₹17,68,702₹2.12 Cr₹5.57 Cr

How This Calculator Works

This calculator compares two financial paths over your chosen time horizon:

Buying Path: Pay down payment + stamp duty (7%), take a home loan, and pay EMI + maintenance + property tax. You build equity through property appreciation.
Renting Path: Pay rent (with annual increases). Invest the down payment + stamp duty as a lumpsum, and invest monthly savings (difference between buy and rent cost) as SIP.

The break-even year is when buying becomes cheaper than renting on a net-cost basis (total outflow minus asset value). Higher property appreciation and lower investment returns favor buying; higher investment returns and lower appreciation favor renting.

Calculator results are for illustration purposes only. Actual returns may vary based on market conditions, fund performance, and other factors. Mutual fund investments are subject to market risks. Read all scheme-related documents carefully before investing. Past performance does not guarantee future returns.

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