Rent vs Buy Calculator

True net wealth after all costs — interest paid, maintenance, stamp duty, rent, investments. No spin. Just your numbers.

1 in 3 renters aged 25–44 think they'll never own. These are their real numbers.

Renting

Use rent for an equivalent property
Cash ISA ~4% now (easy-access). Stocks historically higher but variable. Your call.

Buying

Your assumption — varies significantly by location, property type and time period.
A commonly used estimate. Older properties and larger gardens typically cost more.

Next Home — enter 0 if no move planned

0 = no move planned
E.g. 50% = moving from £300k to £450k today

Upfront costs (auto-calculated)

Mortgage amount—
Initial LTV—
Stamp duty—
Legal & survey—
Monthly payment—
Total interest—
Net buying position
—
Equity − interest − maintenance − upfront + portfolio
Net renting position
—
Investment portfolio − total rent paid
Verdict
—
—
True net wealth — Buying vs Renting
Dark = buyer · Light = renter · Where lines cross = break-even
What this means Enter your numbers and the explanation will appear here.
For illustrative purposes only. Not financial advice.
Stamp duty shown is England & NI (SDLT); Scotland and Wales differ.
Speak to an independent adviser before major decisions.