Compare renting vs buying over time
Deciding whether to rent or buy a home is one of the most important financial decisions you'll make. Our calculator helps you compare both options by factoring in mortgage payments, property appreciation, investment returns, and all associated costs.
The calculator assumes you'll sell the property at the end of your stay when buying, and invest your would-be mortgage deposit when renting. This gives you a comprehensive view of the financial outcomes for each scenario.
£0
Net Gain
£0
Net Gain
rent
By £0
Deposit: £30,000 | Mortgage: £270,000
Legal fees, surveys, etc.
Estate agent fees, etc.
Stamp Duty: £0
Expected annual return on investments
Extra monthly investments while buying
Extra monthly investments while renting
After 5 years, you're financially better off renting by £0.
This calculator provides a financial comparison only. There are many non-financial factors to consider when deciding whether to rent or buy: