Should you buy a home now, or keep renting? Find out honestly.
Include GST, stamp duty, registration & all other charges — the total you actually pay
Balanced: 7% property appreciation · 11% investment return · 8% rent growth · 6% inflation · 1% expense ratio
Select Custom to change inflation or expense ratio
Property tax, society charges, repairs — typically 0.3–1% of property value per year
In reality, renters rarely invest the full monthly saving — an EMI forces discipline that voluntary investing lacks. By default only 70% of the monthly saving (EMI + maintenance − rent) is assumed invested. Adjust if you are a highly disciplined investor.
FD, debt & equity mutual funds, PPF, EPF withdrawable
Gift or interest-free loan you could realistically arrange
Two questions, two answers: Part 1 tells you whether you're ready to buy — can you afford it, does your life stage favour it. Part 2 tells you whether buying is financially better than renting and investing the difference over your chosen horizon. A property can be affordable yet still lose to renting-and-investing, or vice versa. Read both together.