Rent vs buy calculator
Compare your wealth after buying a home with a loan against renting and investing the difference.
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Detailed breakdown
How it's calculated
Buying: your net worth is the home's value minus the loan left, plus any money you invest when renting would have cost more. Renting: you invest the down payment and purchase costs on day one, then invest the difference whenever the EMI and upkeep are higher than rent. Both portfolios grow at the same return.
Common questions
Does this include tax benefits on a home loan?
No. Tax benefits apply only under the old regime and depend on your slab, so they are left out to keep the comparison fair. They can tilt the result towards buying.
What about the emotional value of owning?
Security and stability matter, and this calculator can't measure them. Use it to understand the financial trade-off.
Last reviewed October 2026 · How we calculate · About Selvayana
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