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Rent vs Buy Calculator - India
Compare renting vs buying a home in India. Factor in stamp duty (5-8%), low rental yields (2-3%), Section 24(b) tax benefits, property appreciation, and equity MF returns. Get a clear verdict.
Cách chúng tôi tính toán - phương pháp, công thức & nguồnThuê thắng bởi
₹1,59,33,651
Renting + investing is better
Cho thuê
Rental yield: 3.2%
Giả định tăng trưởng
Ưu đãi thuế (chế độ cũ)
Mục 24(b) - khấu trừ lãi
Up to ₹2L/year on home loan interest
Chi phí giao dịch & sở hữu
Tài sản mua
₹1,28,98,118
After 15 years
Tài sản thuê
₹2,88,31,769
After 15 years
EMI hàng tháng
₹52,069
Năm hoà vốn
N/A
Wealth over time
Buy breakdown
Rent + invest breakdown
Upfront costs of buying
Total cost of ownership
Section 24(b) saves you ₹9,00,000
Home loan interest deduction (up to ₹2L/year) at 30% tax bracket reduces your effective cost of borrowing. This benefit is only available under the old tax regime.
Renting is better by ₹1,59,33,651 over 15 years. If you rented and invested, you'd have ₹2,88,31,769, compared to ₹1,28,98,118 from selling after 15 years.
Note: This calculator models a simplified comparison. It does not account for Section 80C principal deduction (shared ₹1.5L limit), rental income tax if letting, Section 54 capital gains exemption on reinvestment, GST on under-construction property, or LTCG tax on equity MF gains. Investment returns are not guaranteed. Stamp duty varies by state and gender. Consult a financial advisor for personalised advice.