Renter toolbox 🛠️

Tools that pay for themselves

8 calculators built on 4,200+ verified rents. Free. No login.

Why you'll love this
🎯
Built on 4,200+ real rents
Every number you see comes from a verified Bengaluru tenant · not a brochure.
Free, no login, no email
Use any tool in 10 seconds. We don't gate insights behind a sign-up wall.
📲
Each tool ends with an expert
Get a verdict, then 1-tap WhatsApp the right Gharpayy expert for your hub.
How to use this toolbox

Every tool ends with a decision, not a number

Why
Bengaluru rents swing 30% across one street. Guessing costs you a month's rent.
How
Each tool runs your inputs against 4,200+ verified tenant-reported rents in your hub.
What next
Get the verdict, then 1-tap WhatsApp your zone's Gharpayy Expert to lock the deal.
Rent verdict ⚖️

Is your rent fair?

Slide your rent · see exactly where it sits in 195 verified pins, plus the cheapest comparables nearby.

₹5k₹50k₹100k₹150k
Distribution of 7 verified 2 BHK rents in Koramangala₹15k₹38k
₹14k↑ Your ask · ₹40k₹42k
🟡 Market

Within typical range · negotiate ₹1–3k.

p25 ₹30k
median ₹40k
p75 ₹50k
sample 87 pins
Get a fair option · ₹40,000
5 closest verified 2 BHK in Koramangala
₹38,000
₹2k
Nethravati Block · 1400 sqft
gated
₹35,000
₹5k
JNS Nilaya · - sqft
gated
₹34,500
₹6k
- · 950 sqft
₹31,000
₹9k
- · - sqft
₹29,500
₹11k
- · 950 sqft
Negotiation coach 🥋

Three offers, ranked by gut

🔥 Aggressive
₹30,000
vs ask ₹38k
Save ₹93,600/yr

At p25. Use if 2+ red flags (no parking, distant, broker).

🎯 Fair
₹34,000
vs ask ₹38k
Save ₹45,600/yr

Halfway between p25 & median. Highest accept rate.

🤝 Safe
₹36,000
vs ask ₹38k
Save ₹21,600/yr

Just under median. Use for premium / hot listings.

Copy-paste script (data-backed)

Hi · I checked Gharpayy Insights for 2 BHK in HSR Layout. The median across 203 verified rents is ₹37,800; bottom-quartile is ₹30,000. For example, a similar flat at ₹27,000 and a similar flat at ₹42,000. Your ask is ₹37,800. I can commit ₹34,000 on a 12-month lock with auto-debit and no late payments. Deal?

Real comparables to cite
₹27,000
-
- sqft · unfurn
₹42,000
-
1800 sqft · unfurn
₹42,000
-
800 sqft · unfurn
Skip the haggling · Gharpayy at ₹34k
Upgrade path calculator 🪜

PG today → flat tomorrow

See how a few months in a Gharpayy PG funds your future flat · and which areas you can actually move into.

Cumulative savings
₹1,20,000 by month 8
1
2
3
4
5
6
7
8
Total saved
₹1,20,000
Comfortable flat budget
₹24,000
Deposit (Gharpayy 2mo)
₹48,000
Lock my upgrade plan with expert →
Affordability index 📐

Where can your salary actually live?

25% of take-home = comfort. 35% = stretch. Above that = financial stress.

🟢 Comfort
≤ ₹20k
29
areas
🟡 Stretch
≤ ₹28k
9
areas
🔴 Out of reach
> ₹28k
0
areas
Deposit reality 💰

How much will the deposit hurt?

Standalone owners ask 6–10 months. Gharpayy caps at 2. We also show the FD income you forgo while it sits idle.

Standalone owner
₹1,80,000
6 months · Old market norm
FD income forgone ₹18,900
Effective rent ₹31k/mo
Society flat
₹1,20,000
4 months · Most common today
FD income forgone ₹12,600
Effective rent ₹31k/mo
Gharpayy Home
₹60,000
2 months · Capped at 2 months
FD income forgone ₹6,300
Effective rent ₹30k/mo
Gharpayy PG
₹9,000
1 months · 1 month refundable
FD income forgone ₹945
Effective rent ₹30k/mo
Other one-off move-in costs
  • Token / advance₹5,000
  • Painting / cleaning₹15,000
  • Police verification₹500
  • Movers (1 BHK)₹4,500
  • Total₹25,000
Day-1 cash needed (society norm)
₹1,75,000
1 month rent + 4 months deposit + move-in costs
With Gharpayy Home
₹95,000
1 month rent + 2 months deposit + token
You free up ~₹80,000 of working capital
Hidden costs 🧾

Beyond the rent sticker

Maintenance
+₹2,700
Standalone
Water tanker
+₹1,200
Apr–Jun avg
Power backup
+₹1,800
DG / inverter
Wi-Fi 200 Mbps
+₹800
ACT / Jio
Help (cleaning)
+₹2,500
3×/wk
Cook
+₹4,500
1 meal
Parking
+₹800
Per vehicle
Garbage
+₹100
Monthly
Gas cylinder
+₹950
1.5 / month
Sticker rent
₹45,000
Hidden / month
₹15,350
True monthly outlay
₹60,350
12-month true cost
₹7,24,200
Hidden costs add 34% on top of the comfort rent in Koramangala.
Broker vs direct ✋

What you save by skipping brokers

🤵 Broker
−₹43,400
Finder fee ₹35,400
Hidden / friction ₹8,000
Spread over 18 mo → +₹2k/mo

1 month finder fee + GST. Often pushes overpriced inventory.

📲 Listings app
−₹6,500
Finder fee ₹2,500
Hidden / friction ₹4,000
Spread over 18 mo → +₹361/mo

Pay-to-call + ghost listings. ~30% leads convert to a tour.

🏡 Gharpayy
₹0
Finder fee ₹0
Hidden / friction ₹0
Spread over 18 mo → +₹0/mo

Direct to owner, expert handles paperwork & police verification.

Going via Gharpayy keeps roughly ₹43,400 in your pocket · that's ~1.4 months of free rent on a ₹30k flat.
PG vs Flat ⚖️

Side-by-side, honest

🛏️ PG
  • Move-in time: This week
  • Starting rent: ₹7k
  • Deposit: 1 month
  • Channel: Direct
  • Furnishing: Fully furnished
  • Meals: Optional add-on
  • Notice period: 30 days
  • Best for: Solo, freshers, students
🏡 Flat
  • Move-in time: 5–7 days
  • Starting rent: ₹25k
  • Deposit: 2 months
  • Channel: Direct
  • Furnishing: Furnished kitchen + AC
  • Meals: Self-cook
  • Notice period: 60 days
  • Best for: Couples, families, friends
Make money with Gharpayy

Refer once. Get paid every step.

Paid on lead, on visit, and on move-in. No cap, no waiting for month-end.

All 10 ways →