Rent vs Buy Calculator for Any Indian City
Enter your property price and your own city’s stamp duty, registration, and brokerage to see your EMI, total upfront cash, and whether renting or buying comes out ahead over 30 years. Switch to Investment mode to analyse rental yield and return on cash. Prefer a ready-made page? Browse cities we’ve pre-filled.
Key outputs
Buying this ₹1,00,00,000 home in your city means an EMI of ₹60,748 and ₹38,00,000 upfront. Rent covers 49.4% of the EMI, so you add about ₹30,748 a month.
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30-year projection
Full year-by-year projection
| Year | Property value | Annual rent | Annual EMI | Outstanding loan | Home equity | Net (rent − EMI) | Cumulative net cash | Net gain if sold |
|---|---|---|---|---|---|---|---|---|
| 1 | ₹1,07,00,000 | ₹3,60,000 | ₹7,28,972 | ₹68,60,684 | ₹38,39,316 | -₹3,68,972 | -₹3,68,972 | -₹4,36,655 |
| 2 | ₹1,14,49,000 | ₹3,78,000 | ₹7,28,972 | ₹67,09,054 | ₹47,39,946 | -₹3,50,972 | -₹7,19,943 | ₹1,05,513 |
| 3 | ₹1,22,50,430 | ₹3,96,900 | ₹7,28,972 | ₹65,44,021 | ₹57,06,409 | -₹3,32,072 | -₹10,52,015 | ₹7,31,891 |
| 4 | ₹1,31,07,960 | ₹4,16,745 | ₹7,28,972 | ₹63,64,400 | ₹67,43,560 | -₹3,12,227 | -₹13,64,241 | ₹14,48,239 |
| 5 | ₹1,40,25,517 | ₹4,37,582 | ₹7,28,972 | ₹61,68,903 | ₹78,56,614 | -₹2,91,389 | -₹16,55,630 | ₹22,60,729 |
| 6 | ₹1,50,07,304 | ₹4,59,461 | ₹7,28,972 | ₹59,56,125 | ₹90,51,178 | -₹2,69,510 | -₹19,25,140 | ₹31,75,965 |
| 7 | ₹1,60,57,815 | ₹4,82,434 | ₹7,28,972 | ₹57,24,540 | ₹1,03,33,274 | -₹2,46,537 | -₹21,71,678 | ₹42,01,019 |
| 8 | ₹1,71,81,862 | ₹5,06,556 | ₹7,28,972 | ₹54,72,485 | ₹1,17,09,377 | -₹2,22,415 | -₹23,94,093 | ₹53,43,465 |
| 9 | ₹1,83,84,592 | ₹5,31,884 | ₹7,28,972 | ₹51,98,151 | ₹1,31,86,441 | -₹1,97,088 | -₹25,91,180 | ₹66,11,415 |
| 10 | ₹1,96,71,514 | ₹5,58,478 | ₹7,28,972 | ₹48,99,568 | ₹1,47,71,946 | -₹1,70,493 | -₹27,61,674 | ₹80,13,557 |
| 11 | ₹2,10,48,520 | ₹5,86,402 | ₹7,28,972 | ₹45,74,592 | ₹1,64,73,927 | -₹1,42,569 | -₹29,04,243 | ₹95,59,199 |
| 12 | ₹2,25,21,916 | ₹6,15,722 | ₹7,28,972 | ₹42,20,892 | ₹1,83,01,023 | -₹1,13,249 | -₹30,17,493 | ₹1,12,58,312 |
| 13 | ₹2,40,98,450 | ₹6,46,508 | ₹7,28,972 | ₹38,35,929 | ₹2,02,62,521 | -₹82,463 | -₹30,99,956 | ₹1,31,21,581 |
| 14 | ₹2,57,85,342 | ₹6,78,834 | ₹7,28,972 | ₹34,16,937 | ₹2,23,68,404 | -₹50,138 | -₹31,50,094 | ₹1,51,60,457 |
| 15 | ₹2,75,90,315 | ₹7,12,775 | ₹7,28,972 | ₹29,60,911 | ₹2,46,29,404 | -₹16,196 | -₹31,66,290 | ₹1,73,87,211 |
| 16 | ₹2,95,21,637 | ₹7,48,414 | ₹7,28,972 | ₹24,64,576 | ₹2,70,57,061 | ₹19,443 | -₹31,46,847 | ₹1,98,14,998 |
| 17 | ₹3,15,88,152 | ₹7,85,835 | ₹7,28,972 | ₹19,24,370 | ₹2,96,63,782 | ₹56,863 | -₹30,89,984 | ₹2,24,57,917 |
| 18 | ₹3,37,99,323 | ₹8,25,127 | ₹7,28,972 | ₹13,36,415 | ₹3,24,62,908 | ₹96,155 | -₹29,93,829 | ₹2,53,31,086 |
| 19 | ₹3,61,65,275 | ₹8,66,383 | ₹7,28,972 | ₹6,96,489 | ₹3,54,68,786 | ₹1,37,411 | -₹28,56,417 | ₹2,84,50,716 |
| 20 | ₹3,86,96,845 | ₹9,09,702 | ₹7,28,972 | ₹0 | ₹3,86,96,845 | ₹1,80,731 | -₹26,75,687 | ₹3,18,34,189 |
| 21 | ₹4,14,05,624 | ₹9,55,187 | ₹0 | ₹0 | ₹4,14,05,624 | ₹9,55,187 | -₹17,20,500 | ₹3,54,71,068 |
| 22 | ₹4,43,04,017 | ₹10,02,947 | ₹0 | ₹0 | ₹4,43,04,017 | ₹10,02,947 | -₹7,17,553 | ₹3,93,43,424 |
| 23 | ₹4,74,05,299 | ₹10,53,094 | ₹0 | ₹0 | ₹4,74,05,299 | ₹10,53,094 | ₹3,35,541 | ₹4,34,66,786 |
| 24 | ₹5,07,23,670 | ₹11,05,749 | ₹0 | ₹0 | ₹5,07,23,670 | ₹11,05,749 | ₹14,41,289 | ₹4,78,57,722 |
| 25 | ₹5,42,74,326 | ₹11,61,036 | ₹0 | ₹0 | ₹5,42,74,326 | ₹11,61,036 | ₹26,02,325 | ₹5,25,33,908 |
| 26 | ₹5,80,73,529 | ₹12,19,088 | ₹0 | ₹0 | ₹5,80,73,529 | ₹12,19,088 | ₹38,21,413 | ₹5,75,14,207 |
| 27 | ₹6,21,38,676 | ₹12,80,042 | ₹0 | ₹0 | ₹6,21,38,676 | ₹12,80,042 | ₹51,01,455 | ₹6,28,18,745 |
| 28 | ₹6,64,88,384 | ₹13,44,044 | ₹0 | ₹0 | ₹6,64,88,384 | ₹13,44,044 | ₹64,45,499 | ₹6,84,68,999 |
| 29 | ₹7,11,42,570 | ₹14,11,246 | ₹0 | ₹0 | ₹7,11,42,570 | ₹14,11,246 | ₹78,56,746 | ₹7,44,87,891 |
| 30 | ₹7,61,22,550 | ₹14,81,809 | ₹0 | ₹0 | ₹7,61,22,550 | ₹14,81,809 | ₹93,38,555 | ₹8,08,99,880 |
How to use this calculator
How do I use this calculator for my city?
Enter your property price and, in the transaction-cost section, your city or state’s stamp duty percentage, registration charge, and brokerage. The EMI, upfront cash, rental yield, and 30-year projection recalculate instantly.
Where do I find my city’s stamp duty and registration rate?
Check your state’s Stamps & Registration department portal (for example, the Karnataka or Maharashtra registration department). Rates change periodically, so always confirm the current slab before you transact.
Can I use this for an investment / buy-to-let decision?
Yes. Switch the calculator to Investment mode to treat the rent as rental income and see gross rental yield, monthly cash flow, break-even year, and return on your upfront cash.