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Rent vs Buy
How do renting and buying compare over the period you expect to stay?
Put the major cash flows side by side: rent, down payment, EMI, maintenance, loan balance and an assumed future property value.
No automatic verdict
Holding period and assumptions matter. Use this as a scenario comparison, not a buy-or-rent recommendation.
Enter the rent, home price, loan details and expected holding period.
Estimated net housing cost difference
What this means
Total rent paid
Buying cash outflow
Estimated home equity
Net buy cost after equity
Estimated EMI
Loan balance after stay
Excludes stamp duty, registration, brokerage, tax, repairs, insurance and the investment opportunity cost of the down payment.
Rent vs buy is usually a holding-period question
A short stay can make ownership costs harder to recover. A longer stay gives the loan more time to amortise and the property more time to change in value.
Illustration only. Property prices, rents, interest rates and costs can differ materially from your assumptions.