Rent Vs Buy Calculator
Compare total cost of renting versus buying a home over chosen years with appreciation and rent increase
How to use
- Fill in the fields above with your own figures — results update live as you type.
- Renting total uses yearly rent increases. Buying assumes the loan is fully repaid inside the period and the home is worth its appreciated price at the end.
- Check the result box and adjust any rate or parameter to test other cases.
Note: Simplified comparison — it ignores the return you could earn by investing the down payment, plus transfer costs. Use your own realistic appreciation figure.
Related: Rent Agreement Generator Pakistan
Frequently Asked Questions (FAQ)
What does the rent vs buy calculator compare?
It compares the total rent paid over your chosen years against the net cost of buying: down payment plus loan payments plus maintenance, minus the home's future value.
What inputs does the rent vs buy comparison need?
Your current monthly rent, the expected yearly rent increase, the years to compare over, home price, down payment, loan yearly rate, yearly price appreciation, and yearly maintenance and tax.
How is the loan EMI worked out?
Using the standard EMI formula on the home price minus your down payment, at the yearly loan rate you enter.
Does it include taxes or selling costs?
No. It covers rent, loan payments, maintenance and price appreciation only — treat the result as an estimate.