Should you buy or Rent a House in India?
Confused about whether to buy or rent a house in India? The Stockastic Rent vs Buy Calculator helps you make a smart, personalized home decision by comparing the long-term cost of owning vs renting a home.
From EMIs and home appreciation to rent inflation, tax benefits, and the opportunity cost of investing your money — this tool gives you a comprehensive financial comparison to decide what works best for you.
🛠️ How to Use This Tool
Using the Rent vs Buy Calculator is simple and takes just a few minutes:
- Start by entering your rent details – input your current rent, expected rent increase, and how long you plan to stay.
- Switch to the ‘Buy’ tab – fill in the property price, down payment percentage, home loan rate, tenure, and annual expenses like tax, insurance, and maintenance.
- Go to the ‘Income & Expenses’ tab – enter your monthly income, current savings, and expected investment return rate to calculate opportunity costs.
- Click on the ‘Summary’ tab – see a side-by-side comparison of renting vs buying, including:
- Total cost of each option
- Future home value (if buying)
- Net savings from renting
- Personalized decision suggestion
- Adjust values – tweak numbers like appreciation rate or salary growth to explore different what-if scenarios.
The tool updates in real time as you change your inputs, helping you make data-driven decisions about whether to buy or rent a house in India.
What Can You Calculate?
- Total cost of renting vs buying a home
- EMIs, property price, loan interest, tax savings, and maintenance costs
- Future value of your home if you choose to buy
- Growth in invested savings if you continue renting
- Opportunity cost of locking money into a down payment
- A visual summary showing which option saves more in the long run
Why Use Stockastic’s Rent vs Buy Calculator?
✅ Real-time sliders with instant results
✅ Includes salary, expenses, and investment assumptions
✅ Considers rent inflation and property appreciation
✅ Displays EMI burden and savings impact over time
✅ 100% free and mobile-friendly
✅ Personalized decision guidance
When Should You Use This Tool?
This calculator is ideal if you’re:
- Deciding whether to rent or buy a house in a city like Mumbai, Pune, or Bangalore
- Comparing long-term savings and home equity
- Planning to stay in a city for more than 5 years
- Unsure whether a home loan fits your salary and lifestyle
- Wondering if investing is better than buying real estate
Related Tools to Explore
- 📈 SIP Calculator – Plan your monthly investments
- 📊 CAGR Calculator – Measure long-term investment returns
FAQs
It’s a tool that helps you compare the financial outcome of buying a house versus renting one. It shows total ownership costs, tax benefits, rent growth, and investment growth to help you decide.
It depends on your salary, savings, lifestyle, how long you plan to stay, and how much home prices are expected to grow. This tool uses your numbers to show the better option.
Yes. It includes annual tax benefits on home loan interest, property appreciation, and rent hikes to give you a full financial picture.
Yes, it’s designed to work with custom property prices and rent values, so you can adjust it to your location.
Absolutely. The calculator is 100% free and doesn’t require sign-up. You can tweak inputs freely and get immediate results.