Skip to content
Convertto

Rent vs Buy Calculator

Compare the total cost of renting against buying over a period you choose.

Renting versus buying comes down to net cost: what you pay out, minus what you get back. Buying recovers equity but pays interest and maintenance; renting pays no interest but recovers nothing, though the deposit can stay invested. This calculator models both over a period you choose.

Runs in your browser
Privacy
Runs entirely in your browser — nothing is uploaded
Cost
Free, unlimited, no sign-up

Frequently asked questions

Why does renting sometimes win?

Over short periods, because mortgage payments are mostly interest at the start and buying costs 3–8% in fees to enter and exit. Buying usually pulls ahead somewhere between year five and year ten, depending on the rate and growth assumptions.

How to use the rent vs buy calculator

  1. 1Set the property price.
  2. 2Set the deposit.
  3. 3Set the mortgage rate.
  4. 4Set the compare over.
  5. 5Set the monthly rent.
  6. 6Set the annual property growth.
  7. 7Set the yearly ownership costs.
  8. 8Set the return if the deposit were invested.
  9. 9Choose the currency symbol.
  10. 10The result appears immediately — copy or download it.

Embed this tool

Put the working rent vs buy calculator on your own site. It runs in your visitors' browsers exactly as it does here — free, no account, nothing uploaded.

Share this tool

Related tools

Mortgage Comparison CalculatorCompare two loan offers side by side — payment, total interest and the true cost with fees.Weighted Decision MatrixScore options against weighted criteria and see which choice actually wins.Loan & EMI CalculatorCalculate monthly repayments, total interest and the full cost of a loan.Unit Price ComparatorWork out which pack size is actually cheaper per unit, weight or volume.Meeting Cost CalculatorWork out what a meeting actually costs in salary time, per session and per year.Compare Two PDFsSee two versions side by side, overlaid or wiped between — with every changed area outlined.

Last updated

More calculators