Rent vs Buy Property Analyzer
Decide Whether to Rent or Buy a Home with Data-Driven Insights
The Rent vs Buy Property Analyzer is a comprehensive financial tool that compares the total long-term cost of renting a home versus buying one. It considers factors such as loan EMIs, property appreciation, rent escalation, maintenance costs, and investment returns—helping you decide which option aligns better with your financial goals.
Property Details
Buying Details
Renting Details
Why Use the Rent vs Buy Property Analyzer?
Understand true long-term costs beyond monthly EMIs or rents
Compare future value of owned property vs. invested surplus from renting
Plan housing choices based on accurate opportunity costs
Tailor results using adjustable financial assumptions
Importance and Benefits of Rent vs Buy Property Analyzer
Data-Backed Decision-Making
Avoid emotional or impulsive property decisions
Comprehensive Cost Breakdown
Includes appreciation, taxes, rent hikes, and more
Clear Long-Term Savings View
Know where you’ll potentially save more
Flexible to User Scenarios
Works for various cities, incomes, and property budgets
How to Use the Rent vs Buy Property Analyzer
Follow these simple steps to calculate the average price of your stock purchases:
Enter property price, down payment, and loan details
Add current rent, rent growth rate, and investment return assumptions
Click calculate to get a side-by-side cost comparison over the selected time horizon
Review the net difference to guide your housing strategy
Key Terms You Should Know
EMI (Equated Monthly Instalment)
Monthly loan payment based on principal, rate, and tenure
Property Appreciation
Expected increase in property value over time
Rent Escalation
Annual increase in rental cost
Opportunity Cost
Returns you could have earned on the down payment and surplus cash
Maintenance & Tax Rate
Yearly recurring property expenses
