Buy vs Rent Calculator Pakistan
Should you buy a home or keep renting in Pakistan? This calculator compares the total cost of each over your chosen period — accounting for down payment, home loan markup, rent increases, property appreciation, maintenance and the return you could earn by investing instead.
← Part of Property Calculators Pakistan
Last updated: 1 July 2025
Annual bank financing rate.
What your down-payment cash could earn if invested instead.
Buy vs rent
Your inputs are calculated in your browser and are not stored by CalcuPK.
Net cost over 10 years
| Item | Amount |
|---|---|
| Down payment | PKR 4,000,000 |
| Monthly installment | PKR 271,812 |
| Total installments paid | PKR 32,617,432 |
| Total maintenance | PKR 3,593,742 |
| Home value at end | PKR 51,874,849 |
| Loan remaining at end | PKR 14,064,888 |
| Item | Amount |
|---|---|
| Total rent paid | PKR 13,387,437 |
| Down-payment cash if invested | PKR 16,182,231 |
| Investment gain | PKR 12,182,231 |
Formula & how it works
The tool compares two net costs over your horizon:
- Net cost of buying = down payment + installments + maintenance − home equity at the end
- Net cost of renting = total rent paid − the investment gain on your would-be down payment
- The lower net cost is the cheaper option for your assumptions
Example calculations
Example: on a PKR 20,000,000 home with 20% down, 20% financing and rent of PKR 70,000/month, the verdict over 10 years depends heavily on appreciation and the return on invested savings. Adjust the inputs above to see which wins for your situation.
Rent or Buy a Home in Pakistan?
This is one of the biggest financial decisions a Pakistani household makes. The right answer depends on your numbers, not rules of thumb. Use this buy vs rent calculator alongside the home loan calculator and the Property Calculators Pakistan hub.