Rent vs Buy Calculator

Purchase Price (£)

Down Payment (%)

Mortgage Interest Rate (%)

Mortgage Term (years)

Monthly Rent (£)

Annual Rent Increase (%)

Property Appreciation Rate (%)

Investment Return Rate (%)

Closing Costs (% of Purchase Price)

Annual Maintenance Costs (% of Property Value)

Annual Property Taxes (% of Property Value)

Annual Insurance (£)

Selling Costs (% of Selling Price)

Length of Stay (years)

Your Rent vs Buy Comparison

Calculation Breakdown

Component	Value

Cost Comparison

Your total costs for buying and renting over the specified period.

Financial Impact

Understand the long-term financial implications of your decision.

Buying: Consider equity, appreciation, and costs.
Renting: Consider rent increases and investment opportunities.

What’s Next?

Consult a financial advisor for personalized advice.
Review local housing market trends.
Contact us for further assistance.

Recalculate

Important Information

Calculations are estimates based on the inputs provided.
Actual costs may vary based on market conditions and personal circumstances.
For official updates, visit UK Government or ONS.

Source: Calculations based on standard financial models for rent vs buy decisions.

Last Updated: April 2025

How to Use the Rent vs Buy Calculator

Follow these simple steps to compare the costs of renting versus buying a property:

Enter the purchase price of the property.

Input your down payment percentage.

Provide the mortgage interest rate and term.

Click "Calculate" to see the cost comparison.

Get instant estimates to help you make an informed decision.

Features of Our Rent vs Buy Calculator

Compares total costs of renting and buying over time.

Accounts for property appreciation and rent increases.

Includes detailed cost breakdowns for transparency.

Considers investment opportunities for down payment funds.

Responsive design for seamless use on any device.

Frequently Asked Questions

What is a Rent vs Buy Calculator?

It helps you decide whether it's more financially beneficial to rent or buy a property based on various factors.

Who can use this calculator?

Anyone considering renting or buying a property in the UK can use this tool to make an informed decision.

How accurate are the calculations?

The calculations are based on standard financial models and the inputs you provide. Actual costs may vary.

Is this calculator official?

No, this is an estimate based on general financial principles. For official advice, consult a financial advisor.