⚖️ Buy vs Rent Calculator
Compare the long-term financial implications of buying versus renting. See which option builds more wealth over time.
Property & Mortgage
£
£
10% of property value
%
years
Renting Alternative
£
Equivalent rent for a similar property
%
Growth Assumptions
%
Long-term UK average: ~3-4%
%
Return on deposit if invested instead
years
Ownership Costs
£
£
Service charge, ground rent, etc.
ℹ️
This is a simplified model. Real outcomes depend on many factors including interest
rate changes, actual house price movements, and personal circumstances.
After 10 Years
Buying is better
by £50,000
🏠 Net Wealth (Buying)
£0
🏢 Net Wealth (Renting)
£0
Monthly Mortgage
£0
Break-even Point
-