Rytvae Consulting · Think Right · Invest Right
Rent vs Buy Calculator
Result
Chart
Show formula & working
Buy: home value × (1 − selling costs) − loan left + investments of any monthly saving when rent is higher than EMI + maintenance
Rent: down payment and purchase costs invested at the start + each month's (EMI + maintenance − rent) when owning costs more
Details
Karnataka stamp duty and registration on a sale deed: rates and rules as of 28-Oct-2026 · Source: Department of Stamps and Registration, Karnataka; registration fee per Notification RD/46/MNMU/2025 (29 Aug 2025, effective 31 Aug 2025); concessional slabs per Karnataka Stamp Act Article 20(2A). Every figure based on it stays editable.
RBI loan-to-value ceilings for individual housing loans: rates and rules as of 01-Oct-2026 · Source: RBI (Commercial Banks – Credit Facilities) Directions, 2025 (updated as on 1 October 2026). Every figure based on it stays editable.
How this works
Buying builds equity but ties up a large down payment and costs stamp duty, interest and upkeep. Renting keeps that money invested.
This compares both on equal monthly spending, so the only difference is where the money goes. The result depends heavily on price growth, rent growth and investment returns.
Frequently asked questions
Why does renting often win in the early years?
Purchase costs and interest are front-loaded; equity builds slowly at first.
Are tax benefits included?
No. Home loan tax deductions can tilt the result towards buying — see the tax section when it is live.
Is there more to it than money?
Yes — stability, freedom to move and control over the home matter too.