About the Rent vs Buy Calculator
Buying a home brings stamp duty, registration and brokerage upfront, a large down payment, EMIs and upkeep — but the home may grow in value and the loan is paid off over time. Renting is cheaper month to month in most Indian cities, where rents are only 2–3% of the home's price a year, and the renter can invest the down payment and the difference.
This calculator follows both paths month by month. The buyer pays the EMI and upkeep and ends up with the home (less selling costs and any loan left). The renter invests the down payment and whatever is left after rent. Whoever has the higher net worth after the years you stay made the better money choice.