Buy vs Rent Calculator UK
Compare the true cost of buying a home versus renting and investing the difference.
Buying
Home Value
£628,133
Your Equity
£628,133
Total Costs
£562,224
Net Position
+£65,909
Monthly: £1,501
Renting + Investing
Investment Pot
£617,908
Total Rent Paid
£360,000
Net Position
+£227,908
Monthly: £1,200
Renting + investing wins after 25 years
by £161,999
Comparison Over Time
| Period | Buy Net | Rent Net | Winner |
|---|---|---|---|
| 5 years | -£31,479 | -£20,042 | Rent |
| 10 years | -£40,093 | -£18,384 | Rent |
| 15 years | -£29,550 | +£14,035 | Rent |
| 25 years | +£65,909 | +£227,908 | Rent |
Should You Buy or Rent in the UK?
This calculator compares the total financial outcome of buying a property versus renting and investing the cost difference. It accounts for mortgage interest, stamp duty, maintenance costs, house price appreciation, and investment returns on savings.
Buying often wins over longer periods due to leveraged property appreciation, but renting can be smarter in expensive areas where rent is cheap relative to house prices. Your specific numbers matter more than general rules.