Financial Calculator
Buy vs Rent Calculator
Find out whether buying or renting a home makes more financial sense for you.
🏠 If You Buy
🏡 If You Rent
Enter values and click Calculate
Adjust the inputs above to see your personalised recommendation.
✓ Pros of Buying
- Build equity over time — your asset grows in value
- Security and stability — no risk of eviction
- Freedom to renovate & customise your home
- Tax benefits on home loan interest & principal
- Hedge against inflation
✗ Cons of Buying
- Large upfront down payment required
- Long-term EMI commitment
- Maintenance & repair costs on you
- Less flexibility to relocate
- Stamp duty & registration costs add up
✓ Pros of Renting
- Lower upfront costs — just deposit & advance
- Invest freed capital for potentially higher returns
- Flexibility to move cities or upgrade easily
- No maintenance & repair responsibility
- No risk from property price fluctuations
✗ Cons of Renting
- No asset creation — rent is a sunk cost
- Risk of rent increases & eviction
- No freedom to modify the property
- Emotional insecurity of not owning your home
- Miss out on property appreciation