Free calculator · no sign-up
Rent or buy? Run the numbers before you sign.
For a home to live in, or one to rent out. Tell us your pay, the price and the rent — we'll show the cash you need on day one, your EMI, and how fast prices must grow for buying to beat the alternative. Every assumption is on the page, and you can change any of them.
Your result · 10 years
Renting & investing comes out ahead by ₹11 L
Buying wins if prices grow faster than 7.6% a year over your 10 years. You've assumed 7%. That one number matters more than anything else here — and it's exactly what differs from project to project.
- Cash needed on day one
- ₹31 L20% down + costs
- Monthly EMI
- ₹69,426₹80 L loan, 20 yrs
- EMI vs take-home
- —Pick your take-home above
- Rent as % of price
- 3.0%a year
What the numbers don't show — for buying
No landlord, no forced moves, a home you can change, and peace of mind for the family. Also: it locks up your money and is slow to sell.
…and for the other path
Renting only wins if you really invest the difference every month — most people don't. It does keep you free to move.
Full breakdown: year by year, and what if?
See every year of your plan, plus six “what if” scenarios — slower or faster price growth, ready vs under construction, a higher loan rate. Free — just leave your number, and we'll be happy to talk it through with you if you'd like.
Don't jump in. Do the maths, then talk to us.
The calculator shows the maths. We show you the right home. In a 30–45 minutes strategy call we build your personal buy plan: real projects that fit these numbers, how to structure the loan, what to negotiate, and what to avoid. ₹1,499 — refunded in full if you buy through us within 6 months.
A guide to help you think, not financial advice. It uses the assumptions shown above, before income tax, home-loan tax benefits and capital-gains tax, and assumes any money not spent is invested. Real prices, rents and returns will differ — Homy Realty does not promise any price growth or return. Stamp duty and GST rates change; confirm current rates before you buy.