Rent vs buy calculator

Compare the net long-run cost of buying against renting an equivalent home — every assumption is editable, and buying costs come from the real transfer-tax model.

Property price

PKR

PKR 2.5 CroreEquivalent monthly rent

PKR

PKR 1 LakhDown payment 20% · PKR 50 LakhMortgage rate 14.90%Annual home appreciation 8%How long you'll stay 10 yrs

Advanced assumptions

Annual rent growth 8%Ownership costs (maintenance, tax) as % of price / yr 1%Return if you invested the cash instead 10%Selling costs at exit 2%

Province (buying costs)One-off buying costs

From the stamp-duty model (filer rates)

Buying is cheaper over 10 yrs

PKR 1.26 Crore

Net cost to buy: −PKR 54.15 Lakh
Net cost to rent: PKR 71.76 Lakh
Home value in 10 yrs: PKR 5.4 Crore
Break-even: Year 6
Buying costs assumed: 5.62%

Cumulative cost over time

Net cost to buyNet cost to rent

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