Calculator
What the Rent vs Buy Calculator does
Rent vs Buy Calculator: calculates Home Loan EMI, Buy Cash Outflow and Rent Cash Outflow from Home Price, Down Payment % and Home Loan Rate %. Example: home price 5000000 ₹, down payment % 20 and home loan rate % 8.5 gives home loan EMI ₹34,712.93.
Give the Rent vs Buy Calculator your Home Price, Down Payment %, Home Loan Rate % and Loan Tenure (years) and it works out Home Loan EMI, Buy Cash Outflow and Rent Cash Outflow. There is no submit step; the numbers move as you adjust them.
It is mostly used by people planning a budget. Lenders present the same deal in different ways, so a like-for-like number is worth having.
Your data stays on your machine. Once the page has loaded you could disconnect entirely and it would still work.
The field table, the method and a worked example are documented after the tool for anyone who wants to check the working.
What do the Rent vs Buy Calculator fields mean?
The Rent vs Buy Calculator uses 7 inputs. Rather than an empty form you get a filled one, useful when you only want to test a single change.
| Field | What to enter | Default |
|---|---|---|
| Home Price | measured in ₹; accepts 100000 to 1000000000 | 5000000 |
| Down Payment % | accepts 0 to 100 | 20 |
| Home Loan Rate % | accepts 1 to 20 | 8.5 |
| Loan Tenure (years) | accepts 1 to 30 | 20 |
| Monthly Rent | measured in ₹; accepts 1000 to 1000000 | 25000 |
| Compare Over (years) | accepts 1 to 40 | 10 |
| Home Appreciation % p.a. | accepts 0 to 15 | 4 |
How does the Rent vs Buy Calculator work?
Each output is derived from the inputs above in a single pass; there is no hidden state carried between runs, so the same inputs always give the same calculation.
Validation runs before the calculation, which is why a mistyped value shows an error rather than a plausible-looking result.
Worked example
These are the values the Rent vs Buy Calculator loads by default, and the result it produces from them. The defaults produce the result shown here; change any of them and the answer moves.
| Home Price | 5000000 ₹ |
|---|---|
| Down Payment % | 20 |
| Home Loan Rate % | 8.5 |
| Loan Tenure (years) | 20 |
| Monthly Rent | 25000 ₹ |
| Compare Over (years) | 10 |
| Home Appreciation % p.a. | 4 |
| Home Loan EMI | ₹34,712.93 |
|---|---|
| Buy Cash Outflow | ₹51,65,551.52 |
| Rent Cash Outflow | ₹30,00,000.00 |
| Est. Home Value | ₹74,01,221.42 |
| Est. Home Equity | ₹46,01,468.51 |
| Cash-flow View | Renting costs less cash outflow |
How to use it
- Set Home Price in ₹ (100000 to 1000000000).
- Put Down Payment % (0 to 100).
- Key in Home Loan Rate % (1 to 20).
- Fill in Loan Tenure (years) (1 to 30).
- Type Monthly Rent in ₹ (1000 to 1000000).
- Enter Compare Over (years) (1 to 40).
- Set Home Appreciation % p.a. (0 to 15).
- Because there is no round trip to a server, updating on every keystroke costs nothing.
- Check Home Loan EMI, Buy Cash Outflow, Rent Cash Outflow, Est. Home Value, Est. Home Equity and Cash-flow View on the right.
- If you need a record, Copy Link saves the inputs and Print produces a clean page.
What this tool does not do
- Fees, taxes and eligibility rules vary by product and are not included unless there is a field for them.
- Lender rounding rules differ, so the final figure on your statement may differ by a small amount.
- Precision beyond what the inputs justify is not meaningful, however many digits appear.
- The tool trusts your numbers completely, so a mis-keyed digit propagates straight through.
Frequently asked questions
Enter Home Price in ₹ and Monthly Rent in ₹. Every input names its unit, and every output does too, which removes the usual source of error.
Home Price accepts 100000 to 1000000000 ₹. Go outside it and you get an error against that specific field instead of a misleading number.
With the values loaded when the page opens, home loan EMI comes out as ₹34,712.93. Edit any input and that figure moves with it.
No. The work runs in JavaScript inside this page, so your values never leave your device. You can confirm it in your browser network tab.
No cost and no account. Use it as often as you like.
Accurate for the formula described. Treat the output as a well-informed estimate rather than a quote, since providers apply their own charges and rounding.