📈 Rent vs Buy Break-even Calculator
Find the crossover point where buying and renting reach similar net worth. Test how interest rates, appreciation, rent growth, and investment return can shift that year.
⚡ Quick inputs
Start with the essentials. Expand advanced assumptions only if needed.
💼 Income & Stay Plan
Affordability context + timeline
ShowHide Income Stay plan
💼 Income & Stay Plan
Affordability context + timeline
🏠 Buying Property
Price, down payment, rate, tenure
ShowHide Price Down pmt Rate Tenure
🏠 Buying Property
Price, down payment, rate, tenure
🏡 Renting Property
Current rent assumption
ShowHide Monthly rent
🏡 Renting Property
Current rent assumption
🧠 Advanced assumptions
Open this if you want a detailed assumptions.
Expand
🧠 Advanced assumptions
Open this if you want a detailed assumptions.
🏠 Buying details
Extra ownership assumptions
ShowHide One-time Buying Costs Annual Ownership Costs Home Appreciation
🏠 Buying details
Extra ownership assumptions
🏡 Renting details
Rent side assumptions
ShowHide Annual Rent Increase Security Deposit
🏡 Renting details
Rent side assumptions
📈 Return assumptions
Investment and affordability context
ShowHide Investment Return
📈 Return assumptions
Investment and affordability context
📊 Comparison Summary
Quick read for mobile.
Results Financial life + crossover
💡 Financial life view
Scenario guidance under your assumptions.
Under current assumptions, buying results in higher net worth.
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Details Outcomes + milestones + notes
- Cash paid
- ₹0
- Monthly cost
- ₹0
- Affordability
- —
- Liquid investments
- ₹0
Potential benefits for this path appear here.
Trade-offs for this path appear here.
- Cash paid
- ₹0
- Monthly cost
- ₹0
- Affordability
- —
- Investable capital
- ₹0
Potential benefits for this path appear here.
Trade-offs for this path appear here.
Results will appear here after calculation.
Sensitivity notes will appear here after calculation.
This comparison tries to keep both paths fair. If buying costs more every month, the tool assumes the renter invests the difference. If renting costs more, the tool assumes the buyer invests that gap instead. That makes the comparison more balanced and less opinionated.
📈 Rent vs Buy Break-even Calculator
This page focuses on one high-intent question: when does buying catch up or overtake renting in net worth? Use it to map your likely stay duration against the crossover timeline.
Inputs That Move Break-even Most
- Home appreciation: Higher appreciation generally pulls crossover earlier toward buying.
- Investment return: Strong investment returns can delay crossover or keep renting ahead.
- Rent increase: Higher rent growth often strengthens buy economics in later years.
- Buying costs: Higher stamp duty/fees delay break-even by increasing upfront burden.
- Stay horizon: If your stay is shorter than crossover, financial case for buying weakens.
How to Use This Break-even Page Properly
🧭 Quick workflow
- Run a base case and note crossover year.
- Run conservative assumptions and compare crossover shift.
- Run optimistic assumptions and check how stable the answer is.
- Decide based on expected stay period and relocation uncertainty.