About Home Buy vs Rent

Home Buy vs Rent helps people in India make one of their biggest financial decisions with clear numbers instead of guesswork. Every calculator models the real, often-overlooked costs of buying — stamp duty, registration charges, brokerage, and resale costs — alongside the EMI and a 30-year projection, so you can compare renting and buying on a like-for-like basis.

Who is behind this site

This site is built and maintained by Aditya Malu. It grew out of a simple frustration: most rent-vs-buy advice glosses over the real costs of buying, so the calculators here are modelled to be correct, testable, and reproducible.

Questions, corrections, or feedback? Reach me at adityamalu1@gmail.com.

How the calculators are built (our methodology)

Trustworthy numbers matter, so the approach is deliberately transparent:

• Verified financial engine. The EMI, amortization, transaction costs, and projections are computed by a single pure calculation library, ported from a spreadsheet model and covered by an automated test suite that pins the formulas to known-good values.
• City-specific, sourced rates. Stamp duty, registration, and concession rules are stored per city and are meant to be verified against official state portals, with a “last verified” date and source links shown as they are confirmed.
• Assumptions you control. Interest rate, down payment, rent, and growth are all editable, and every default is labelled as an assumption — never presented as a guaranteed outcome.

Our commitment to accuracy

These tools are educational and are not financial advice — see our Disclaimer. Rates change, so always confirm figures with official sources and a qualified professional before you transact. If you spot an error, please tell us so we can fix it.

Read more in our Privacy Policy and Terms, or head to the rent vs buy calculators.