Buy vs Rent Calculator in Chennai

Should you buy or rent in Pune? This calculator compares the long-term financial picture of purchasing a home versus continuing to rent over a period you choose. It factors in down payment, home loan EMI, rent escalation, property appreciation, and an optional return on money you would otherwise invest if you rented.

Buying builds equity and can benefit from appreciation, but ties up capital and adds maintenance and transaction costs. Renting preserves flexibility and liquidity, yet offers no ownership upside. The break-even horizon (when buying may pull ahead of renting on a purely financial basis) depends heavily on rent levels, interest rates, and expected appreciation in your chosen area.

The model is illustrative and does not replace personalized advice. Premium locations in Pune behave differently from peripheral markets; pair these results with location research and a curated shortlist from 3 Works Properties.

Use the breakeven section below to see when buyer equity overtakes a renter who invests the down payment and monthly EMI savings at your assumed return.