Should you buy a house or keep renting? Compare the true cost of homeownership against the opportunity cost of investing your down payment in the market.
Tip: The biggest factor in this calculation is usually the spread between property appreciation and market investment returns.
Real Estate Alpha
Configure your market assumptions and click Compare Scenarios.
The rent vs buy decision goes far beyond comparing monthly rent to a monthly EMI. This calculator runs a full financial projection comparing your final net worth in two parallel universes.
You use savings for a down payment and pay EMIs plus maintenance every month. Your wealth is tied to home equity and property appreciation.
You invest the money that would have gone into the down payment. If renting is cheaper than buying, the monthly surplus is invested. If renting is costlier, the extra outflow is treated as a drag on the renter portfolio.
The results show how much wealth you would have after the chosen horizon in both scenarios, then declare the stronger financial outcome.
Not necessarily. Buying also has unrecoverable costs such as loan interest and maintenance. If your investment portfolio outperforms property appreciation after those costs, renting can be mathematically better.
If buying costs Rs 80,000 per month and renting costs Rs 30,000, the model invests the Rs 50,000 surplus in the rent scenario. If renting costs more than buying, that extra monthly amount is treated as money that must come out of the renter portfolio instead.
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