RentNiti
Rent vs Buy Calculator
Compare the financial impact of renting versus buying a house in India.
Rent vs Buy Comparison Report
Home Loan Breakdown
Loan Amount
₹ 0
Monthly EMI
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Total EMI Paid
₹ 0
Principal Repaid
₹ 0 0%
Interest Paid
₹ 0 0%
Remaining Loan
₹ 0
Where Your Money Went (Cash Cost View)
Renting Over Horizon
Total Rent Paid (Sunk):
₹ 0
Deposit Capital (Refundable):
₹ 0
Investment Portfolio Value:
₹ 0
Buying Over Horizon
Down Payment + Setup:
₹ 0
Principal Repaid (Equity):
₹ 0
Interest Paid (Sunk):
₹ 0
Maint. + Taxes (Sunk):
₹ 0
Investment Portfolio Value:
₹ 0
Assumptions Used: Rent Escalation: , Property Appreciation: , Investment Return: , Loan Interest: , Maint/Tax Escalation: , Selling Cost: .
Year-by-Year Financial Progression
| Year | Annual Income | Annual Rent | Total Buying Cash Flow | Principal Repaid | Interest Paid | Remaining Loan | Property Value | Buyer Net Wealth | Renter Net Wealth |
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Disclaimer: Results are estimates based on user-entered assumptions. Actual property prices, investment returns, interest rates, taxes, maintenance, rent growth, transaction costs and income can differ. The calculator provides financial comparison information and is not personalized investment, tax or legal advice.
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Frequently Asked Questions
No, in high-cost cities, renting is often cheaper in the short to medium term compared to home loan EMIs.