EMI vs Rent Comparison Calculator
Should you buy a home with a loan or keep renting? Enter the numbers below and the tool will compare the total cost of both options year by year, find the break-even year, and give a clear verdict.
This tool gives general estimates only. It is not financial advice. It does not count home price growth, property taxes, maintenance, or loan fees.
The amount you pay from your own money on day one.
Rent usually rises every year. Enter your best guess.
Monthly EMI
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Total interest on loan
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Total cost of buying
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Total rent over term
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Break-even year
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Cheaper option saves
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Year-by-year comparison
| Year | EMI paid (annual) | Buying cost so far | Rent paid (annual) | Rent paid so far | Cheaper so far |
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How to use
- Choose your currency and enter the home price, your down payment, the annual interest rate and the loan term.
- Enter your current monthly rent and the rent increase you expect every year.
- Press "Compare buy vs rent" to see the monthly EMI, both totals, the break-even year and a year-by-year table.
- Read the verdict at the bottom — it tells you in plain words which option costs less.
Note: Buying also builds ownership of the home, which is not counted as cash in this comparison. Real loan costs may include fees and insurance on top of EMI.