Rent vs Buy Calculator
Renting or buying — which makes more financial sense for you? Model the total cost of each path over 5 to 25 years, factoring in mortgage repayments, property appreciation, equity built, rent inflation, and opportunity cost on your deposit.
🏠 Buying
£350,000
10%
4.5%
🔑 Renting
£1,500
2%
Verdict after 10 years
🏠 Buying is cheaper by £149,764
Renting Cost
£197,095
total rent paid
Buying Net Cost
£47,331
payments minus £197,774 equity
Monthly Payment
£1,751/mo
Down Payment
£35,000
Home Value
£426,648