Rent vs Buy Calculator
Should you rent or buy a home? Compare your wealth year by year with rent, EMI, down payment, maintenance and property growth, and see when buying overtakes renting.
Buying builds an asset but costs a down payment, stamp duty, EMIs and maintenance. Renting is cheaper month to month and leaves your savings free to invest. The calculator compares both paths year by year, with your rent increase, loan rate, property growth and investment return, and shows the year when buying becomes better.
Every report can be downloaded as a PDF with Kagrecha Realty branding. Free, no sign-up.
Frequently asked questions
- When is buying better?
- Usually when you plan to stay many years, rents are high compared with prices, and the property grows in value.
- Does it include tax benefits?
- It focuses on cash flows and wealth. Home loan tax benefits can make buying a little better.