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Life · 4 min read
Should I buy a house before FIRE?
A home can speed FIRE up or slow it down. It depends on price, rent and EMI.
2–3%
typical Indian metro rental yield, which is why renting often wins on pure maths
The case for buying
- ●No rent in retirement → a smaller FIRE number.
- ●Stability, and a home you can't be asked to leave.
- ●Forced savings for people who wouldn't otherwise invest.
The case for renting
- ●Metro rents are often only 2–3% of the home's value a year, far less than EMI.
- ●The down payment stays invested and compounding.
- ●Flexibility to move cities, or even countries.
How to decide
Compare freedom ages for both paths with your real numbers: home price, down payment, loan rate, rent and how fast each grows. Then decide how much the non-financial benefits are worth to you.
Try it on your numbers
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Estimates, not guarantees. Projections assume steady average returns and inflation; real markets are bumpy, and returns are not guaranteed. This is an educational tool, not investment, tax or financial advice. See our methodology, assumptions & limitations · Last updated 25 October 2026.