Rent vs Buy Calculator - Бесплатный онлайн-калькулятор

1. 1

   Enter the home price you are considering and the down-payment percentage.

2. 2

   Set the home-loan rate, tenure, and expected appreciation rate.

3. 3

   Add yearly property tax, insurance and maintenance estimates.

4. 4

   Enter the equivalent monthly rent for the same home and the expected annual rent increase.

5. 5

   Set the expected return if you invest the down-payment money instead.

6. 6

   See which option is cheaper over your time horizon.

Buying cost = down payment + total EMIs + carrying costs − home value at the end. Renting cost = total rent paid (with annual increases) − opportunity gain from investing the down payment. The cheaper option for your assumptions is the recommended choice. Most decisions hinge on three things: appreciation, rent inflation and the time you stay in the home.

• Young professionals in their late 20s deciding whether to buy now or rent + invest until 35.
• Working couples considering relocating to a new city for jobs, weighing whether to buy or rent for the first few years.
• Investors deciding whether to deploy a windfall (inheritance, bonus, business sale) into a primary home vs equity portfolio.
• Pre-retirees evaluating downsizing - sell large home, rent smaller, invest the proceeds.

• Ignoring transaction costs. Stamp duty (5-7%), registration (1%), GST on under-construction property (5%), brokerage and interior costs collectively add 12-15% to the cost of buying. Add these to the buying side.
• Assuming optimistic appreciation rates. Post-2014 Indian metros have appreciated 4-6%, not the 12-15% of the previous boom decade. Plan with realistic numbers.
• Forgetting that renting + investing requires actual investing. If the down-payment-equivalent sits idle in a savings account at 3%, the rental-side math collapses.
• Treating the home as a pure investment. Owner-occupied homes don't pay you rent; their financial return is appreciation minus carrying costs.
• Comparing only EMI to rent. Buying's true cost includes down payment, transaction costs and carrying - EMI alone understates by 30-50%.

• Always run the calculation at three appreciation rates (conservative 3%, expected 6%, optimistic 9%). The sensitivity tells you how much faith you're putting in price growth.
• If you're not 80% sure you'll stay 7+ years, rent. The transaction costs of buying are punishing on short horizons.
• Include carrying costs honestly - property tax, society fees, maintenance reserve, occasional repairs typically run 1-1.5% of home value annually.
• Use post-tax investment returns on the rental side. Equity LTCG at 12.5% reduces the effective alternative return by about 1.5%.
• Pair this with the home-affordability, EMI, and mortgage payoff calculators for a complete buying decision.