Rent vs Buy Calculator
Should you rent or buy a home? Compare the total cost of renting vs buying over time, including loan interest and property appreciation.
Results
Rent vs Buy Analysis
Compares cumulative cost of renting (with annual rent increases) against buying (down payment + EMI payments), accounting for property appreciation over time.
Frequently Asked Questions
Should I rent or buy a house?
It depends on factors like how long you plan to stay, local property prices, rental rates, loan interest rates, and property appreciation. Generally, buying makes more sense for stays longer than 7-10 years.
What is the break-even point?
The break-even point is when the total cost of buying (including down payment, EMI, maintenance) equals the total cost of renting. Beyond this point, buying becomes cheaper.
Does property appreciation matter?
Yes, property appreciation significantly affects the rent-vs-buy decision. Higher appreciation makes buying more attractive because the property gains value over time, offsetting the higher initial cost.