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. 100% private, no data stored.
Your scenario explained — based on current values
Real-time breakdownProperty: ₹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.
- 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 Tax Regime Simulator
- To set your down payment savings target → use the Emergency Fund Calculator
Rent vs Buy Deep Dive
Everything you need to decide whether to rent or buy a home in India (2026).
Rent vs Buy India 2026: Complete Decision Framework
Break-even years, hidden costs, and when renting truly wins.
Read →Home Loan Strategy India 2026: Fixed vs Floating, Prepayment & Tenure
Save crores in interest with the right loan structure.
Read →Hidden Costs of Buying a Home in India: Stamp Duty, Registration, Maintenance
The 7–10% extra you pay beyond the property price.
Read →Stamp Duty & Registration Charges in India (2026): State‑wise Guide
How much you’ll actually pay to register your home.
Read →HRA vs Home Loan Tax Benefit: Which Saves You More?
Compare tax savings from renting (HRA) vs buying (Section 24b + 80C).
Read →5 Myths About Renting vs Buying in India (Debunked for 2026)
“Rent is waste of money” — is that still true? Let’s check.
Read →Frequently asked questions
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