🏠
🏢
💰
📊
Own home
₹2.65Cr
🏠 Net worth
Rent & invest
₹2.92Cr
▲ Portfolio
Difference
+₹27L
▲ Renting wins
Break-even
15y
Crossover year
Rent vs Buy
2026 · India market
Home Loans · Appreciation · Equity · India · In-Browser
Rent or Buy.
Find your better path.
Loan rates at 9–10%, property appreciation 4–6%, equity returns 11–12%. The real comparison most people never run. Move the sliders and see the winner instantly.
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🏠 Own home
₹2.65Cr
Net worth
🏢 Rent & invest
₹2.92Cr
Portfolio value
📊 Difference
+₹27L
Renting wins
⏱️ Break-even
15y
▲ Crossover year
Live Calculator
Adjust sliders. See the winner instantly.
All calculations use 2026 India market assumptions. EMI, maintenance, rent increases, and investment returns are factored in automatically.
Your assumptions (2026)Drag to compare in real time
Renting wins
🏠 Own home net worth₹2.65Cr
🏢 Rent & invest portfolio₹2.92Cr
📊 Difference+₹27L
📆 Monthly EMI₹83K
💡 Insight: Adjust sliders to see which path wins for your numbers.
Visual comparisonUpdates live with every slider move
Final wealth comparison
Gold: Own home · Blue: Rent & invest
Wealth growth over time
Watch where the lines cross — that’s your break-even year.
Your scenario explainedBased on your current slider values
- Property: ₹1.2 Cr with 20% down (₹24L), loan at 9% for 20y → EMI ₹83K/mo.
- Rent: Start ₹40K/mo, ↑6% yearly. Maintenance ₹3K/mo if owned.
- Assumptions: Appreciation 4%, investment return 11%.
- Final net worth: Own ₹2.65Cr · Rent+invest ₹2.92Cr → Renting wins by ₹27L.
- Break-even: Renting overtakes buying in year 15.
- Key consideration: Owning gives stability and an illiquid asset. Renting+investing requires strict discipline to actually invest the surplus. Track actuals in the Wealth Wallet.
Best practices · 2026Seven rules before making the biggest financial decision of your life
- Stay ≥7 years if you buy: With 9–10% home loans and stamp duty of 5–7%, you need 7+ years just to break even on transaction costs. Use the Wealth Wallet to model your timeline.
- Tax benefits still matter (old regime): Interest up to ₹2L/year (Section 24b) + principal up to ₹1.5L (80C) effectively lowers loan cost by ~1% for the 30% bracket. Compare regimes with the Tax Regime Simulator.
- Appreciation is modest in 2026: Tier-1 cities now see 4–6% p.a. after the post-COVID spike. Adjust expectations accordingly before committing.
- Budget maintenance honestly: 0.5–1% of property value annually for society charges, property tax, and repairs. Factor this into your owning cost.
- Equity returns ~11–12%: Renting + investing the surplus can beat real estate if you’re disciplined. Use the Investment Wallet to stay on track.
- Emergency fund before EMI: Never buy a home without 12 months of expenses saved. Use the Emergency Fund Calculator to set your target first.
- New HRA cities (2026): Bengaluru, Pune, and Hyderabad now qualify for 50% HRA — renting in these cities may yield significant additional tax savings worth factoring in.
💡 Run the numbers in real context
- After this comparison → track net worth in the Wealth Wallet
- To model your exact EMI with amortization → use the EMI Calculator
- To check home loan tax benefit → use the Old vs New Tax Simulator
- To set your down payment savings target → use the Emergency Fund Calculator
Frequently asked questions
home loan
EMI
stamp duty
break-even
appreciation
HRA
maintenance
equity returns
🏠 Rent vs Buy Basics
Based on your inputs, the crossover happens around 15 years. Before that, renting+investing builds more wealth. Use the Wealth Wallet to track your net worth over time.
Your EMI = ₹83,000. Over 20 years, total interest = ₹80L. Check the EMI Calculator for a detailed amortization schedule.
💰 Costs, Taxes & Hidden Fees
Stamp duty + registration is 6–8% of property value (~₹7.2L on your property). This upfront cost alone means you need years just to recover it. For budgeting, use the Expenses Wallet.
Yes, in the old regime. For your loan of ₹96L, you can deduct up to ₹2L interest/year, saving ~₹60K tax annually if in the 30% bracket. Compare regimes with the Old vs New Tax Simulator.
📈 Market Assumptions (2026)
Post-2025, Indian real estate has moderated to 4–6% in most metros after the post-COVID spike. Your slider is at 4% — a realistic long-term assumption. See the Pre-Retirement Life Stage for long-term planning.
Yes — long-term Nifty 50 CAGR has been 12–14% over 20-year rolling periods. Your investment return of 11% is a conservative planning estimate. Explore the Investment Quest for more insights.
⚖️ Lifestyle & Personal Factors
With your break-even at 15 years, selling earlier would likely lose money after transaction costs and capital gains. Renting is the safer choice for mobility. Use the Expenses Wallet to track your moving costs.
You’ve set maintenance at ₹3,000/mo. Over 20 years, that’s ₹7.2L — a significant hidden cost of ownership. Track these in the Expenses Wallet.
Yes — add it to your maintenance slider. Typically 0.1–0.5% of property value = ₹12K–60K/year. Plan for this with the Wealth Wallet.
Longer tenure lowers EMI but significantly increases total interest paid. Your tenure is currently 20 years. Try the EMI Calculator to model different tenures and see the total cost impact.
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