Rent vs Buy Calculator
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A rent vs buy calculator compares the total cost of renting a home against buying one over a given time horizon. It accounts for mortgage payments, opportunity cost of the down payment, maintenance, taxes, and rental increases.
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Tip: The most important variable is how long you plan to stay. The transaction costs of buying (stamp duty, legal fees, agent fees) typically take 3–5 years just to break even.
- 1Cost to buy: mortgage payments + maintenance (1–2% of value/year) + property taxes + insurance − equity built + opportunity cost of down payment
- 2Cost to rent: rent + renters insurance + investing the down payment at market returns
- 3The "break-even point" is when the cumulative cost of buying drops below renting
£300k house · £60k deposit · 5% mortgage · vs £1,200/month rent=Break-even at approx year 7Highly dependent on house price growth and investment returns
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Fun Fact
The New York Times offers a detailed rent-vs-buy calculator; in most global cities, renting and investing the difference often outperforms buying over 10-year horizons unless house prices grow significantly.
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