Loan vs Save Calculator
Two scenarios on one chart — should you take a loan now or save up, factoring in inflation and deposit rates
Purchase
Price growth (item inflation)
How much the purchase price rises per year
This amount is used for both loan payments and savings — equal comparison terms
Loan parameters
Loan rate
22% per yrLoan term
24 mo.Deposit rate (savings)
With monthly compounding
Recommendation
Better to save
Loan overpayment exceeds the benefit of buying now
Key figures
Loan
Payment exceeds budget
5 187 815 UZS
per month
Save
1 yr 8 mo.
until purchase
Savings vs item price
Loan or save: context for Uzbekistan
In Uzbekistan this question is particularly acute: loan rates are 18–28% per year, but deposit rates are also 20–26% per year — among the highest in the world. At the same time, real estate in Tashkent grows 10–20% per year.
If you are saving for an apartment, but its price grows faster than your deposit rate — saving mathematically becomes impossible. A mortgage in this case is not just more convenient, it is the only viable option.
For goods with lower price growth (electronics, furniture) the situation reverses: with a deposit rate of 24%, it is often better to wait 2–4 months and buy without overpaying.