规划贷款、成本和住房决策的购房者和业主。
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.
计算方法说明 - 方法论、公式及来源租房胜出
₹1,59,33,651
Renting + investing is better
租赁
Rental yield: 3.2%
增长假设
税收优惠（旧税制）
第 24(b) 条 - 利息扣除
Up to ₹2L/year on home loan interest
交易及持有成本
购房财富
₹1,28,98,118
After 15 years
租房财富
₹2,88,31,769
After 15 years
每月 EMI
₹52,069
盈亏平衡年份
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.