Rajkumar Anguluri·Software Engineer · Founder, Artha Engine·Last reviewed 25 April 2026·Methodology
Rent or Buy?
Should you rent or buy at today's prices? See the net-worth crossover, what tips the scale, and how your answer changes if prices, rates, or rent shift.
Rent or Buy?
Compare the ownership path, renting path, down-payment runway, and tax angle in one place.
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Add optional costs & tax details
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Monthly EMI
₹83,045
Loan payment on the ownership path
Buyer net worth
₹1.1Cr
Estimated after your stay period
Renter net worth
₹1.7Cr
Estimated if the cost gap is invested
True home cost
₹99,045
EMI plus carrying costs
Rent looks stronger
The rent path keeps more flexibility or finishes with a better net-worth outcome.
Keep renting and redirect the ownership cost gap into down-payment or investment savings.
Net-worth gap
₹59.3L
How much renting is ahead by in this scenario.
Monthly EMI
₹83K
Use this to compare the emotional comfort of ownership against your current rent.
Net worth over time
Compare ownership equity with the renting-and-investing path.
Cash commitments
Upfront and ongoing cost comparison.
You are close
Your current savings pace can reach the target without unrealistic assumptions.
Keep this corpus ring-fenced and separate from long-term equity goals.
Required down payment
₹24L
This should sit alongside registration and setup reserves.
Months to goal
24 months
This is your current runway at the existing savings pace.
New regime wins
The lower slab structure and higher standard deduction are working in your favour.
Do not force deductions just to chase the old regime unless they fit your broader financial plan.
Tax saved
₹83.2K
This is the difference between the two regime outcomes.
Monthly take-home
₹1.4L
Use this to plan savings, EMI comfort, and lifestyle spending.
Ownership cost stack
Buying costs more than EMI alone.
Annual carrying cost
₹1,92,000
Maintenance, property tax, and insurance
Total interest
₹1Cr
Interest across the full home-loan tenure
Tax difference
₹83,200
Current winner: NEW regime
Buying is much costlier than renting each month.
warningA large EMI gap reduces your ability to build liquidity and invest elsewhere.
Assumptions
The recommendation stays blunt, but the assumptions remain visible.
- True cost adds recurring ownership costs beyond EMI.
- Maintenance and property tax are modelled as a share of current property value.
- Planner assumes monthly contributions and steady annual return.
- Registration, interiors, and moving costs should be saved separately.
- Uses AY 2026-27 slab assumptions published by official government sources.
- Includes 4% health and education cess; surcharge is excluded — see combinedIncomeTax for the surcharge-inclusive total when capital gains are also present.
- Assumes all entered deductions are valid and fully claimable.
What moves the result most
Holding everything else fixed, here is how the headline shifts when each input swings by a typical range.
Default values used
These are the starting defaults. You can override every one of them using the input panel — expand “Tune assumptions” and “Add optional costs & tax details” to customise.
Calculations and decision frameworks, not personalised financial advice. The numbers on this page are based on the inputs you supplied and the regulatory rules in effect when this page was last reviewed. They are not a recommendation to buy, sell, hold, port, or surrender any specific financial product. Consult a SEBI-registered investment advisor, a qualified tax professional, or a licensed insurance broker before acting on a financial decision involving your money.
Artha Engine is an educational decision-support website. We do not offer loans, sell insurance, distribute mutual funds, provide regulated investment advice, collect loan applications, or receive commissions from banks, insurers, AMCs, brokers, or other financial providers. References to RBI, SEBI, IRDAI, Income Tax Department, or other authorities are source citations only. Artha Engine is not affiliated with, endorsed by, or sponsored by any government authority, regulator, bank, insurer, AMC, or broker. Artha Engine does not charge users fees for using calculators, comparison tools, articles, or financial health scoring. Mailing address: India.
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