Buy vs Rent Calculator (2026)
Compare the total cost of buying vs renting over time. See which option builds more wealth by factoring in mortgage payments, property growth, rent increases, and investment returns.
Input Values
Property
Purchase price of the property
Deposit as percentage of property price
Annual mortgage interest rate
Length of the mortgage
Stamp duty / transfer duty
Rates, insurance, maintenance per year
Rent
Current weekly rent amount
Expected yearly rent increase
Growth Assumptions
Expected annual property value growth
Return on deposit if invested instead
How many years to compare
Results
Total Cost of Buying
$0.00
Total Cost of Renting
$0.00
Property Value at End
$0.00
Equity Built (Buyer)
$0.00
Renter's Investment Portfolio
$0.00
Net Wealth Difference (Buy vs Rent)
$0.00
Break-even Year
0.00
Frequently Asked Questions
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Buy vs Rent in Australia (2026): Which Is Better?
Complete guide to the buy vs rent decision in Australia: true costs, opportunity cost of deposit, property growth assumptions, lifestyle factors, and when each option wins.
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Understanding Stamp Duty — A Complete Guide
Transfer duties explained: what they cover, how brackets/thresholds work, concessions/surcharges, and how to estimate them.
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