Rent vs Buy Calculator
The most under-calculated decision most Indians make. Compare buyer vs renter net worth at end of your horizon, with realistic Indian assumptions.
Indian residential real estate: 4–7% long-term
Landlords typically hike 5–10% annually
Where you'd invest the down-payment + EMI-rent surplus
If buying wins, check today's best home loan offers.
The main NetCorpus India planner rolls this into a 50-year retirement plan alongside your loans, EPF, taxes, trips, and life goals.
Compares the long-run financial outcome of buying a home with a loan versus renting an equivalent property and investing the difference — the down payment and any monthly savings — in the market instead.
The 'buy' path tracks home equity built through EMI payments plus assumed property price appreciation, minus total interest paid. The 'rent' path invests the down payment amount plus the monthly gap between rent and EMI (whichever is lower) at your assumed investment return, with rent itself growing annually. The comparison is only as good as its assumptions — property appreciation and investment return are both genuinely uncertain over a 15–20 year horizon.
A ₹1Cr property with a ₹20L down payment, an EMI around ₹1.74L/month versus ₹35,000/month rent, invested at 12% versus 6% property appreciation, is exactly the kind of comparison where the 'right' answer flips depending on which appreciation assumption you trust — worth running at a few different property-growth scenarios rather than trusting one number.
Is renting and investing actually better than buying in India?▾
It depends heavily on your city's rent-to-price ratio and how you weight the non-financial value of owning (stability, no landlord risk, forced savings discipline). In high price-to-rent cities, renting and investing the difference can out-perform buying financially — but 'financially optimal' isn't the only thing that matters in a housing decision.
What property appreciation rate should I assume?▾
Indian residential real estate has historically delivered quite modest returns net of transaction costs (stamp duty, brokerage) in many markets — 5–7% is a more defensible long-run assumption than the double-digit numbers sometimes quoted, though it varies enormously by city and locality.