How is India different from the US rent vs buy page?

Same engine, rupee defaults: 20-year home loan, ~8.5% rate, and a 7% buy-closing stand-in for stamp duty + registration. Property tax is a small % you can edit.

Does buy closing include Maharashtra stamp duty?

The default 7% is a sketch (6% stamp + 1% registration in many urban MH cases). Use the stamp duty calculator for a line-item bill, then paste the effective % here.

HRA if I keep renting?

Not modeled. Old-regime HRA can shrink the rent path’s tax. Pair with the HRA metro / Bengaluru tools.

Section 24(b) interest?

Not subtracted. Self-occupied interest is capped; let-out is different. This page is a net-worth sketch, not ITR math.

Runs in your browser · Last updated 7 September 2026

Free Rent vs Buy Calculator India

Free India rent vs buy calculator. Home-loan EMI, stamp-heavy closing, and rent-plus-invest in rupees. Browser tool — nothing is uploaded.

Home price (₹)Down payment %Home-loan rate %Tenure (years)Property tax % / yearInsurance / year (₹)Maintenance % / yearBuy closing % (stamp + registration + fees)Sell costs % at exitToday's rent / month (₹)Rent inflation % / yearHome appreciation % / yearInvest down payment at % / yearYears until you sell / move

After 7 years, renting and investing wins on net worth. Buy path is equity after selling costs. Rent path grows the down payment + stamp-heavy closing, plus any month EMI + tax beats rent. Not a bank quote.

Buy net worth

₹57,97,802

Rent + invest net worth

₹71,16,894

Buy advantage

-₹13,19,092

Monthly EMI

₹55,541

Owner cost (year 1 / mo)

₹63,874

Down + stamp / fees

₹21,60,000

How to use this tool

Enter price, down payment, home-loan rate, and today’s rent.
Set stamp-heavy buy closing % and how long you will stay.
Read buy vs rent+invest net worth in rupees.

Worked example

An ₹80 lakh flat, 20% down, 8.5% for 20 years, 7% stamp-and-fees, and ₹35,000 rent is a classic India standoff. High closing costs and a 10% invest rate on the down payment often keep renting ahead for the first several years; 5% appreciation plus staying seven-plus years can flip it. Check the US rent vs buy page if the property is dollar-denominated.

Frequently asked questions

How is India different from the US rent vs buy page?: Same engine, rupee defaults: 20-year home loan, ~8.5% rate, and a 7% buy-closing stand-in for stamp duty + registration. Property tax is a small % you can edit.
Does buy closing include Maharashtra stamp duty?: The default 7% is a sketch (6% stamp + 1% registration in many urban MH cases). Use the stamp duty calculator for a line-item bill, then paste the effective % here.
HRA if I keep renting?: Not modeled. Old-regime HRA can shrink the rent path’s tax. Pair with the HRA metro / Bengaluru tools.
Section 24(b) interest?: Not subtracted. Self-occupied interest is capped; let-out is different. This page is a net-worth sketch, not ITR math.
Uploaded?: No.