Rent vs Buy Housing Index is a verified personal finance calculation tool on Calcify. Compare net wealth outcome of buying a home with a mortgage versus renting and investing the surplus. All calculations execute locally in your browser with multi-currency support, visual breakdowns, and white-label client exports.
Projected Property Value in 15 Yrs: ₹2,18,60,649
Price_to_Rent_Ratio = Property_Price / (12 × Monthly_Rent); Future_Home_Value = Price × (1 + g)^t
Example Inputs: Property Purchase Price: ₹8500000 · Current Monthly Rent for Equivalent Home: ₹25000 · Expected Annual Property Appreciation (%): 6.5 % · Comparison Horizon (Years): 15 Years
Example Output: Price-to-Rent Ratio: 28.3x: 3.53% Rental Yield (Projected Property Value in 15 Yrs: ₹2,18,60,649)
The Rent vs Buy Housing Index on Calcify applies the verified mathematical formula: Price_to_Rent_Ratio = Property_Price / (12 × Monthly_Rent); Future_Home_Value = Price × (1 + g)^t. Every input is validated in real time with multi-currency formatting to ensure zero rounding or division errors.
A Price-to-Annual-Rent ratio above 25x typically indicates low rental yield (~2.5%–3.5%) favoring renting + investing.
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