Rent vs buy in Pune's property market
Pune has strong rental demand in IT corridors and growing buy-side interest in emerging localities. This calculator helps you compare cumulative costs over 15 years — not just monthly rent versus EMI.
Rent vs Buy Calculator
See whether renting or buying makes more financial sense over time.
100% FreeInstant resultsNo signup requiredPune & Maharashtra
Buy vs rent inputs
Buying
Renting
Your results
Break-even year
Not within 15 years
Monthly EMI
₹41,656
Down payment
₹12,00,000
Renting may be more cost-effective over 15 years.
15-year comparison
| Year | Rent | Buy | Cum. rent | Cum. buy |
|---|---|---|---|---|
| 1 | ₹3,00,000 | ₹5,95,866 | ₹3,00,000 | ₹17,95,866 |
| 2 | ₹3,15,000 | ₹5,95,866 | ₹6,15,000 | ₹23,91,732 |
| 3 | ₹3,30,750 | ₹5,95,866 | ₹9,45,750 | ₹29,87,599 |
| 4 | ₹3,47,288 | ₹5,95,866 | ₹12,93,038 | ₹35,83,465 |
| 5 | ₹3,64,652 | ₹5,95,866 | ₹16,57,689 | ₹41,79,331 |
| 6 | ₹3,82,884 | ₹5,95,866 | ₹20,40,574 | ₹47,75,197 |
| 7 | ₹4,02,029 | ₹5,95,866 | ₹24,42,603 | ₹53,71,063 |
| 8 | ₹4,22,130 | ₹5,95,866 | ₹28,64,733 | ₹59,66,929 |
| 9 | ₹4,43,237 | ₹5,95,866 | ₹33,07,969 | ₹65,62,796 |
| 10 | ₹4,65,398 | ₹5,95,866 | ₹37,73,368 | ₹71,58,662 |
| 11 | ₹4,88,668 | ₹5,95,866 | ₹42,62,036 | ₹77,54,528 |
| 12 | ₹5,13,102 | ₹5,95,866 | ₹47,75,138 | ₹83,50,394 |
| 13 | ₹5,38,757 | ₹5,95,866 | ₹53,13,895 | ₹89,46,260 |
| 14 | ₹5,65,695 | ₹5,95,866 | ₹58,79,590 | ₹95,42,127 |
| 15 | ₹5,93,979 | ₹5,95,866 | ₹64,73,569 | ₹1,01,37,993 |
How it works
1
Enter buy scenario
Add property price, loan terms, and down payment.
2
Enter rent scenario
Add current rent and expected annual increase.
3
Compare outcomes
View break-even year and 15-year cost comparison.
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Frequently asked questions
Break-even depends on property price, loan rate, rent level, and rent escalation. Our calculator estimates the crossover year.
Results are for informational purposes only and do not constitute financial, legal, or Vastu advice. Verify figures with your bank, sub-registrar, or qualified professional before making decisions.
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