General Utility · Tool
Rent vs Buy Calculator
Compare the long-term financial outcome of buying vs renting and investing the difference. Highly flexible, globally customizable with market presets.
Inputs
marketenumMarket Preset
default "india" · one of: india, united_states, europe, united_kingdom, canada, australia
Sets regional defaults for appreciation, rent growth, investment return, property taxes, stamp duty, and rental deposit norms.
default "india" · one of: india, united_states, europe, united_kingdom, canada, australia
Sets regional defaults for appreciation, rent growth, investment return, property taxes, stamp duty, and rental deposit norms.
currencyenumCurrency
default "INR" · one of: INR, USD, EUR, GBP, CAD, AUD
default "INR" · one of: INR, USD, EUR, GBP, CAD, AUD
property_priceRequirednumber (currency)Property Purchase Price
required · min 100 · max 1000000000 · default 8000000
required · min 100 · max 1000000000 · default 8000000
down_payment_pctRequirednumber (%)Down Payment %
required · min 0 · max 100 · default 20
required · min 0 · max 100 · default 20
loan_interest_rateRequirednumber (%)Loan Interest Rate
required · min 0.1 · max 30 · default 8.5
required · min 0.1 · max 30 · default 8.5
loan_tenure_yearsRequiredinteger (yr)Loan Tenure (Years)
required · min 1 · max 50 · default 20
required · min 1 · max 50 · default 20
monthly_rentRequirednumber (currency)Monthly Rent
required · min 1 · max 5000000 · default 25000
required · min 1 · max 5000000 · default 25000
comparison_period_yearsenumComparison Period
default "10" · one of: 5, 10, 15, 20, 30
default "10" · one of: 5, 10, 15, 20, 30
property_appreciation_rateRequirednumber (%/yr)Property Appreciation Rate
required · min -20 · max 40 · default 6
required · min -20 · max 40 · default 6
rent_growth_rateRequirednumber (%/yr)Rent Inflation Rate
required · min -10 · max 30 · default 7
required · min -10 · max 30 · default 7
investment_return_rateRequirednumber (%/yr)Alternative Investment Return
required · min 0 · max 50 · default 9
required · min 0 · max 50 · default 9
property_tax_rateRequirednumber (%/yr)Property Tax Rate
required · min 0 · max 10 · default 0.5
required · min 0 · max 10 · default 0.5
maintenance_costs_rateRequirednumber (%/yr)Maintenance & Insurance Rate
required · min 0 · max 10 · default 1
required · min 0 · max 10 · default 1
buying_transaction_costs_pctRequirednumber (%)Buying Costs (Stamp duty etc.)
required · min 0 · max 25 · default 5
required · min 0 · max 25 · default 5
selling_transaction_costs_pctRequirednumber (%)Selling Costs (Brokerage etc.)
required · min 0 · max 15 · default 3
required · min 0 · max 15 · default 3
rent_deposit_monthsRequiredinteger (mo)Rental Deposit Months
required · min 0 · max 12 · default 2
required · min 0 · max 12 · default 2
one_time_renting_costsRequirednumber (currency)One-time Renting Costs
required · min 0 · max 1000000 · default 10000
required · min 0 · max 1000000 · default 10000
Outputs
verdictstringVerdict
recommendationstringRecommendation
financial_benefitnumberFinancial Benefit
buyer_final_net_worthnumberBuyer Final Net Worth
renter_final_net_worthnumberRenter Final Net Worth
buyer_future_property_valuenumberFuture Property Value
buyer_remaining_loan_balancenumberRemaining Loan Balance
renter_final_portfolio_valuenumberAlternative Investment Value
total_buyer_paymentsnumberTotal Out-of-Pocket (Buy)
total_renter_paymentsnumberTotal Out-of-Pocket (Rent)
comparison_tablestringYear-by-Year Financial Comparison
assumptions_notestringAssumptions & Notes
Example request
curl -X POST https://toolsamurai.com/api/v1/general-utility/rent-vs-buy-calculator \ -H "Authorization: Bearer sk_free_•••••••••••••••" \ -H "Content-Type: application/json" \ -d '{ "market": "india", "currency": "INR", "property_price": 8000000, "down_payment_pct": 20, "loan_interest_rate": 8.5, "loan_tenure_years": 20, "monthly_rent": 25000, "comparison_period_years": "10", "property_appreciation_rate": 6, "rent_growth_rate": 7, "investment_return_rate": 9, "property_tax_rate": 0.5, "maintenance_costs_rate": 1, "buying_transaction_costs_pct": 5, "selling_transaction_costs_pct": 3, "rent_deposit_months": 2, "one_time_renting_costs": 10000 }'
Example response
{ "ok": true, "tool": "rent-vs-buy-calculator", "domain": "general-utility", "version": "1.0.0", "result": { "verdict": "…", "recommendation": "…", "financial_benefit": …, "buyer_final_net_worth": …, "renter_final_net_worth": …, "buyer_future_property_value": …, "buyer_remaining_loan_balance": …, "renter_final_portfolio_value": …, "total_buyer_payments": …, "total_renter_payments": …, "comparison_table": "…", "assumptions_note": "…" }, "meta": { "latency_ms": …, "request_id": "req_…" } }