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Buy vs Rent Calculator
Calculator
Buy vs Rent Calculator (2026)
Model a buying scenario against renting and investing the unused upfront cash. Results are estimates driven by your mortgage, property growth, rent, holding cost and investment return assumptions.
Formula
Estimated buyer equity = property value - remaining loan; estimated renter portfolio = unused upfront cash invested + positive modelled savingsEstimate updates below
Modelled Buyer Cash Outlay$0.00
Step 1
Inputs
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
Step 02 · Resultsinstant
Modelled Buyer Cash Outlay
$0.00
Rent Paid
$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
First Crossover Year
0.00
FAQ
