Buying a home with a loan is often seen as a milestone, while renting is viewed as wasted money. In reality, the decision between renting and buying is a long-term financial comparison, not an emotional one.
This Rent vs Loan Calculator helps you compare two practical scenarios:
The tool focuses on long-term wealth outcomes based on your numbers.
This calculator compares renting versus buying a house with a home loan by considering real inputs such as rent, EMI, interest cost, and investment returns.
Instead of assuming home ownership is always better, it answers one key question: Where does your money grow more over time – renting and investing, or buying a home with a loan?
Most rent vs buy discussions ignore opportunity cost.
When you rent:
When you buy a house with a loan:
This calculator places both choices on equal financial terms.
The Rent vs Loan Calculator allows you to customize the comparison using realistic inputs such as:
These inputs reflect real housing and loan decisions faced in India.
After calculation, the tool shows:
This helps you evaluate whether renting and investing creates more long-term wealth than owning a house through a loan.
This calculator is useful if you are:
This tool focuses only on financial outcomes.
It does not account for emotional factors such as pride of ownership, lifestyle preferences, or personal stability. Those factors are subjective and personal. This calculator helps you evaluate the numbers objectively.