Rent vs Buy Calculator India — Should You Buy or Keep Renting?
10-year cost comparison including EMI, maintenance, appreciation, opportunity cost
Whether buying is smarter than renting depends on your city, rental yield, appreciation expectation, and opportunity cost of the down payment. This calculator compares total 10-year cost of both paths for Indian metros — Mumbai, Bengaluru, Gurugram, Pune, Hyderabad, Chennai.
- Mumbai — rental yield 2.5%, break-even 12+ years
- Bengaluru — rental yield 3.0%, break-even 10 years
- Gurugram — rental yield 2.8%, break-even 11 years
- Pune — rental yield 3.5%, break-even 8 years
- Hyderabad — rental yield 4.0%, break-even 7 years (best in India)
- Chennai — rental yield 3.2%, break-even 9 years
- Includes opportunity cost of down payment invested at 12% p.a. equity return
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