MoneyClarityTech · Home Loans
Rent vs buy, the honest way
"Renting is throwing money away" is an expensive half-truth in Indian real estate. Put in three numbers. We will run the same-wallet math — including what your down payment could have earned elsewhere.
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How long will you stay?
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Where they cross
Buying starts behind — the down payment and stamp duty are gone on day one. Watch when (or whether) it catches up.
Buy
Rent & invest
The honest breakdown
Assumptions you can change ›
How to read this. The renter invests the same day-one cash as the buyer spends, plus any month in which renting is cheaper than buying, using the return you choose. The buyer builds equity and is assumed to sell at the end. Results are scenarios, not forecasts: returns and home-price growth are not guaranteed, and this simplified model excludes income-tax effects, capital-gains tax, rent deposits, brokerage and renovation. Change every assumption before relying on the comparison.