Rent vs Buy Calculator
Compare monthly outgoings — mortgage + costs vs rent, with appreciation as equity build.
Result
Monthly mortgage (25yr)1,501
vs rentRenting cheaper by 101/mo
Buy net cost over 10yr9,093
Rent total over 10yr168,000
Equity after 10yr206,997
VerdictBuying ahead on paper
Rent vs Buy Calculator — FAQs
What does this miss?
Investment return on the deposit, transaction costs on exit (stamp duty ~2%, estate agent ~1.5%), and flexibility value — real break-even is usually 4–7 years.
When does renting win?
Short horizons (<4 years), falling markets, or when the rent-to-price ratio is unusually low — buying locks in costs that don't pay back quickly.
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