Rent vs Buy Calculator for Pakistan

• Short horizons usually favour renting once transfer taxes and exit costs are included.
• Rent escalation assumptions matter as much as the starting rent — model a higher case too.
• Buying nets off the equity you build, but that equity is illiquid in Pakistan.
• Test at least three horizons: your minimum, expected and maximum stay.

Example: PKR 2.5 Crore at a 30% down payment over 15 years is modelled above as a starting point. Adjust every input for your own case. All tools are estimates for planning and are not financial advice.