Buying
Renting
More assumptions (you can change these)
First-year monthly outgo if you buy: - (EMI + upkeep) against rent.
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How this comparison works
Both paths start with the same money. If you buy, your money goes into the down payment and buying costs, and every month you pay the EMI and upkeep. If you rent, you invest the down payment and buying costs, and each month you invest whatever you save compared with the buyer's outgo (or the buyer invests the difference if renting costs more). At the end, we compare what each side is worth: for the buyer, the property value after selling costs minus the remaining loan; for the renter, the investment pot.
Why the answer changes so much
- The price you pay compared with the rent for a similar home (a low rent-to-price ratio often favours renting).
- How long you stay, since buying costs are recovered only over time.
- Your loan interest rate and tenure.
- Growth in property prices and in rents.
- What your investments could earn, which is never guaranteed.
What is not included
Income tax benefits, inflation adjustments and the personal value of owning a home are not included. Tax rules differ from person to person, so speak to a tax professional.
Frequently asked questions
Is buying always better than renting?
No. It depends on the price compared with rent, how long you stay, loan interest, what you could earn by investing elsewhere and how prices and rents move. Use the calculator to test different assumptions.
What are the default assumptions?
The starting values are only placeholders, not forecasts or recommendations. Please replace every one of them with your own numbers.
Why include buying costs?
Taxes, registration, brokerage and other one-time charges are paid upfront and are not recovered when you sell, so they matter most when you stay for a short time.
Does it include tax benefits?
No. Tax rules differ by person and by tax regime, so this calculator leaves them out.
Are the results a forecast?
No. The results simply follow from the numbers you enter. Real prices, rents and returns will differ.