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

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