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Rent vs Buy

Compare EMI vs Rent, and make smarter housing decisions.

Should You Rent or Buy?

30% rise in house prices in India over the last 5 years

6–8% average annual rent inflation in metro cities

10–12 years typical break-even point where buying beats renting

Why Use a Rent vs Buy Calculator?

“Should I rent or buy a house?” is a classic Gen Z dilemma. Rising real estate prices make ownership tempting, while flexible jobs make renting attractive. A Rent vs Buy Calculator helps you decide with math, not emotions.

How Does It Work?

It compares the total cost of renting (with rent inflation) vs buying (EMI, maintenance, appreciation) over a time frame. It even shows the break-even year when buying becomes more beneficial than renting.

When Should You Use It?

If you’re relocating for work and unsure about long-term plans.
When comparing EMI vs rent affordability in metro cities.
Before making a down payment or taking a home loan.

It helps you compare the long-term financial impact of renting a home versus buying one on EMI.

Home price, down payment, and loan details
Rent amount and annual increases
Property appreciation rate
Maintenance, property tax, and resale value
Investment return on money saved if renting

Renting may be better if:

Property prices are too high
You move cities frequently
Investment returns are higher than property appreciation

Buying may be better if:

You plan to stay long-term
Property prices are appreciating steadily
You want stability and asset ownership

No. It’s purely financial. Emotional satisfaction, lifestyle, and flexibility are personal choices outside the calculation.