Rent vs Buy Calculator
Rent vs Buy Calculator by NIVITA HUF. Model scenarios, review calculations, explore detailed breakdowns and export results. Useful free planning tool.
Set your assumptions
Update the values to calculate your scenario.
Your calculation
Results update as you enter information.
JavaScript is required for interactive calculations.
How this calculator works
Rent total = sum of annual rent growing at a set rate; buy cash cost = down payment + monthly EMI × months.
Important assumptions
A partial cash-cost comparison, not a full rent-vs-buy recommendation. Excludes property appreciation, taxes, repair, investment opportunity cost, residual home equity and sale fees.
About the Rent vs Buy Calculator
What inputs are needed for the Rent vs Buy Calculator?
The calculator supports Monthly household income (₹); Existing monthly debt payments (₹); Max debt service (% of income); Loan annual interest (%); Loan tenure (years); Property price / debt total (₹). You can change each applicable input and immediately recalculate.
How does the Rent vs Buy Calculator calculate its results?
Rent total = sum of annual rent growing at a set rate; buy cash cost = down payment + monthly EMI × months.
Can I save or share my calculation?
Yes. Use Export CSV for the results table, Copy results for a summary, Share scenario for an input-preserving link, or Print to keep a copy. No sign-in is needed.
Are calculator results guaranteed?
No. Calculations depend on the values entered and the assumptions shown. Financial products and regulatory rules can change, and investment projections do not guarantee returns.