RealEstateCalc
Buy vs Rent Calculator
Calculator
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.
Formula
Net Wealth (Buy) = Property Value - Remaining Loan; Net Wealth (Rent) = Deposit Invested + Savings CompoundedStep 1
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
Step 02 · Resultslive
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
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FAQ
