Quantum Step Tools

Buy vs Rent Calculator

India's most detailed home ownership vs renting financial comparison.

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Real Estate · Finance

Indian home ownership vs renting — true cost comparison over your holding period.

Property Details

Property Price (₹) ₹80L

Down Payment (%) 20%

Home Loan Rate (%) 8.5%

Loan Tenure (years) 20 yrs

Annual Property Appreciation (%) 6%

Annual Maintenance + Society (₹) ₹36K

Current Monthly Rent (₹) ₹25K

Annual Rent Increase (%) 8%

Alternative Investment Return (% p.a.) 12%

Analysis Period (years) 10 yrs

Your Tax Bracket

Verdict after 10 years

You save more by owning over this period.

₹0

net financial advantage

Buy: EMI + Maintenance —

Rent: Month 1 —

Down Payment Required —

Loan Amount —

Total Buy (EMI + maint + stamp + reg) —

Total Rent Paid —

Property Value at End —

Equity Built (Home) —

Down Payment invested at 12% —

Home Loan Tax Benefit (80C + 24b) —

Net Wealth: Buy scenario —

Net Wealth: Rent + Invest scenario —

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