Start with your city
Indicative defaults based on typical market conditions. Adjust any input below to match your actual situation.
Custom mode — all inputs at defaults. Select a city above to pre-populate typical assumptions.
Property details
Property price—
Down payment—
—
Stamp duty + registration—
—
Annual property appreciation—
Annual maintenance (% of value)—
Covers maintenance charges, property tax, upkeep. Typical range: 0.5–1.5% per year.
Home loan
Loan interest rate—
Loan tenure—
If you rent instead
Current monthly rent—
—
Annual rent increase—
Typical Indian lease renewals: 5–10% annual increase. Urban metros tend toward the higher end.
Returns & analysis period
Expected investment return (p.a.)—
Return on the down payment + monthly surplus if invested. Use 6–8% for debt, 10–12% for equity, 4–5% for FD.
Analyse over—
Tax profile
Tax regime
New regime: Sec 24(b) deduction unavailable. The home loan interest provides no tax benefit, increasing the effective cost of buying.
Your marginal tax slab
Sec 24(b): ₹2L interest deductible/year. Sec 80C: principal repayment up to ₹1.5L. Both reduce the effective monthly cost of buying.
Results
Monthly EMI
—
—
Effective monthly cost of buying
—
—
Initial capital deployed
—
—
Loan-free from
—
year of ownership
Wealth position at Year 20
If you buy
—
Property equity + any surplus invested
If you rent
—
Down payment + monthly surplus invested
—
Buying needs at least
—
—
How monthly outflows compare over time
Buy/mo
Rent/mo
Difference
Buying path wealth
Renting path wealth
How appreciation rate changes the answer
Show ▾
| App. rate | Buying wealth | Renting wealth | Winner |
|---|
Factors this calculator cannot model
Security of tenure & stability
✓ Buy
⚠ Rent
Freedom to renovate & customise
✓ Buy
✗ Rent
Leverage on your capital (4–5x via loan)
✓ Buy
N/A Rent
Portfolio diversification
⚠ Buy
✓ Rent
Liquidity of your wealth
✗ Buy
✓ Rent
Flexibility to relocate for work
⚠ Buy
✓ Rent
Emotional value of ownership
High Buy
— Rent
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Tax benefit: Under old regime, Sec 24(b) interest deduction (capped at ₹2L/year) reduces the effective monthly cost of buying. New regime: no deduction, full EMI counted. A simplified annual average is applied uniformly across the tenure for ease of computation.
City presets: Appreciation rates and stamp duties are indicative, drawn from publicly available market data and RBI/PropEquity reports. They represent rough historical averages and should not be taken as forecasts. Actual appreciation varies significantly by micro-market, project quality, and market cycle.
What the model does not include: Brokerage on resale (typically 1%), home insurance, interior fit-out costs, potential rental income if property is let out, or capital gains tax on property sale. These can materially change the outcome in specific scenarios.
This tool is for informational and decision-support purposes only. Property and investment returns are uncertain. Consult a financial advisor before making a decision of this magnitude.
City presets: Appreciation rates and stamp duties are indicative, drawn from publicly available market data and RBI/PropEquity reports. They represent rough historical averages and should not be taken as forecasts. Actual appreciation varies significantly by micro-market, project quality, and market cycle.
What the model does not include: Brokerage on resale (typically 1%), home insurance, interior fit-out costs, potential rental income if property is let out, or capital gains tax on property sale. These can materially change the outcome in specific scenarios.
This tool is for informational and decision-support purposes only. Property and investment returns are uncertain. Consult a financial advisor before making a decision of this magnitude.
A LoanSach tool · informational use only