Rent vs Buy Calculator

Compare the net financial position of renting (investing the deposit) vs buying over time.

Property Price

Deposit

Mortgage Rate (%)

House Price Growth (%/year)

First-time buyer (stamp duty relief)

Monthly Rent

Rent Growth (%/year)

Investment Return (%/year)

Projection (years)

After 20 years, buying leaves you better off by£184,598Buying overtakes renting at year 1

--- Buying (equity)- - Renting (investment pot)

Buying: Final Position£455,638Total spent: £470,791 | Stamp duty: £0

Renting: Final Position£271,040Total rent paid: £386,933