Rent vs Buy Calculator
Compare the long-term financial outcomes of renting versus buying. Factor in property appreciation, investment returns, and opportunity costs.
Buying Scenario
Stamp duty, legal fees, inspections
Rates, insurance, maintenance
Renting Scenario
Return on invested savings
Comparison Settings
Comparison Results After 10 Years
If You Buy:
Projected Home Value: $846,359
Remaining Loan Balance: $396,197
Estimated Home Equity: $450,162
Total Out-of-Pocket (Buy): $527,046
Net Financial Position (Buy): $450,162
If You Rent:
Total Rent Paid: $268,881
Value of Invested Savings: $390,691
Total Out-of-Pocket (Rent): $268,881
Net Financial Position (Rent): $390,691
Buying appears to be better by $59,472
Buying becomes more favorable than renting around year 5.
Important: This calculator provides a simplified comparison and involves many assumptions about future rates and costs. It doesn't account for tax implications (e.g., capital gains tax, negative gearing), selling costs, or lifestyle factors. Actual outcomes can vary significantly. Always seek personalised professional financial advice.
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Rent vs Buy Calculator
Compare the long-term financial outcomes of renting versus buying. Factor in property appreciation, investment returns, and opportunity costs.
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