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Property Calculator
Illustrative deal math, reviewed October 2026 — state rates and slabs change, so confirm figures with official schedules or an advisor before registering or signing.
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Buying overtakes renting when cumulative net rent saved covers the price: break-even months = price ÷ ((annual rent − annual owning costs) ÷ 12). A ₹1,00,00,000 flat against ₹3,00,000 rent with ₹50,000 yearly owning costs breaks even in 480 months — 40 years — which immediately shows how far simple payback stretches without appreciation doing work.
Enter the purchase price, the annual rent for a comparable place, and yearly owning costs beyond rent (maintenance, property tax, insurance). If rent minus costs is zero or negative, there is no break-even at all — the page says so instead of dividing by zero. Read the months as a conversation starter: anything over ~15–20 years means the decision hinges on appreciation and rent hikes, not payback.
It does not model loan interest, tax breaks, maintenance growth, opportunity cost of the down payment, appreciation, or rent inflation — the six variables that actually decide rent-vs-buy. Frame the question here, answer it with a planner.
Illustrative math only — not financial advice or a bank quote.
Tax and statutory rules change; verify with a professional.
No. Use it to frame the question, then build a detailed comparison with a financial planner that includes taxes and opportunity cost.
Because simple payback ignores appreciation and rent growth, which are usually what make buying win. A 30–40 year figure means those two assumptions — not the arithmetic — will decide for you.
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