Rent vs BuyCalculator

Rent of the house you want to own?

5000

By how much will the rent go up annually

Rent usually goes up by 5% in most cities

%
5

Cost of the house you want

1000000

Down payment you can afford

Excl. stamp duty and registration charges

%
40

Housing Loan Interest Rate

%
4

Loan Tenure

Yr
3

How much annual returns can you earn by investing your savings?

%
5

How much do you expect your property value to grow each year?

Average growth rate for flats: 2-5% per year
Average growth rate for independent houses: 6-9% per year

%
5
* Note: Registration and stamp duty charges are assumed to be 5% of the property value.
Expected Home Loan EMI
₹17,714
Property Value after 3 years
₹11.58 Lac
Total Savings after 3 years (Rent + Invest)
₹10.06 Lac

Our Recommendation

Buying is better than Renting

Expected Gain ₹ 1.51 Lac

Rent vs Buy Calculator - a smart and free decision-making tool by Vestbox.

Owning a home is a major financial milestone, but it's equally important to evaluate whether renting or buying is the better option for your current financial situation and future goals. Our Rent vs Buy Calculator helps you compare both scenarios clearly and objectively so you can make a confident choice.

With our free Rent vs Buy Calculator, you can easily:

  1. 1. Compare Long-Term Costs: Input your property price, rent amount, expected appreciation, and other financial factors to see which option costs more in the long run.
  2. 2. Understand Ownership Benefits: Factor in property value growth, tax benefits, and equity build-up to determine the real return on buying a home.
  3. 3. Evaluate Renting Flexibility: See how renting impacts your cash flow and savings potential without long-term financial commitment.
  4. 4. Visualize Financial Impact: Get a clear breakdown of total cost of renting vs total cost and gains from buying, helping you understand the true financial difference between the two.
  5. 5. Plan for the Future: Experiment with different timelines, interest rates, rent increases, and investment returns to see how your decision performs over time.

Make an informed lifestyle and financial decision with clarity. Whether you're planning your first home purchase or reviewing rental commitments, Vestbox is here to guide you with data-driven insights.

Invest | Compound | Conquer

FAQs.

Frequently asked answered questions.

Investing can’t be passive, it is an active job where the impact of micro and macro economic factors has to be analysed on your portfolios. We understand that you can generate your alpha (extra-ordinary returns) in your domain and leave the stress of managing your investments to us. We are more than just an execution platform or another 'boring FinTech App', we are a community of like-minded folks who want to grow in this financial journey together.

We are not doing it for the first time. Our investment team comes with a rich experience of 40 years in managing public wealth. Apart from experience of managing public wealth, our quantitive approach helps us in designing the best-in-class portfolio as per your investment goals.

No, we believe that you should have entire control over your investments and hence we are just an intermediary who processes the transaction. The investment amount is sent to the Asset Management Companies real time through Indian Clearing Corporation. All the transactions are processed through Bombay Stock Exchange Star Mutual Fund platform.

We don’t charge any upfront or annual maintenance fees from our clients. We get a small advisory fees from the AMCs (Asset Management Companies) based on your investments with them.

VestBox took birth with an aim of providing HNI(high-net-worth individuals) like investment experience to non-HNIs. Everyone knows that the top 1% prefer not being conventional, so do we. Before starting VestBox, we did a survey to understand how people invest their money. We found that most people rely on their own research, friends' advice, or YouTube. When we looked deeper into the quality of these investments, we were shocked to see how much money people were actually losing. About 90% of people are not able to create the wealth, they aim or they deserve because of poor allocations. VestBox solves all these problems assuring you returns you deserve.

Unlike others, Vestbox is built with a mission to provide world class asset management to our users. We actively manage your portfolio on a daily basis and regularly connect with you to make sure your investments stay on the right track. This helps you grow your wealth faster, adapt quickly to market changes, and make smart decisions rather than Invest and Forget.