🏠 Rent vs Buy Comparison

Enter your buying and renting details below. Each month, whichever option costs less has its savings invested — the tool then tracks how total wealth (property equity + investments) grows over time for each scenario so you can see which one leaves you better off.

Buy

Determines which stamp duty system is used
£
%
£37,500.00 (15.00%)
%

Rent

£
Buy/Rent ratio: 17.36x

Comparison Results

Break-even
Month 61 · Year 6, Month 1

🏠 Buy Side Assets

Home Equity
£523,444
Investment Account
£15,099
Costs not included above
(£13,489)
Total Assets
£525,055

🏘️ Rent Side Assets

Investment Account
£423,022
Rent Deposit Returned
£2,400
Total Assets
£425,422
Assets Difference (Buy − Rent)
£99,633Buy ahead
Selected: Month 300Year 25, Month 12End of term: Month 300
Chart unavailable until calculations complete.
MonthBuy/moRent/moMonthly diffBuy net worthRent net worthNet diff (Buy−Rent)
Month 1£1,594£1,200+£394£30,469£50,238(£19,770)Rent
Month 2£1,595£1,200+£395£31,460£50,906(£19,446)Rent
Month 3£1,596£1,200+£396£32,454£51,579(£19,124)Rent
Month 4£1,597£1,200+£397£33,452£52,256(£18,804)Rent
Month 5£1,598£1,200+£398£34,452£52,937(£18,486)Rent
Month 6£1,598£1,200+£398£35,455£53,624(£18,169)Rent
Month 7£1,599£1,200+£399£36,461£54,315(£17,853)Rent
Month 8£1,600£1,200+£400£37,471£55,010(£17,540)Rent
Month 9£1,601£1,200+£401£38,483£55,711(£17,228)Rent
Month 10£1,601£1,200+£401£39,498£56,416(£16,918)Rent
Month 11£1,602£1,200+£402£40,516£57,126(£16,610)Rent
Month 12£1,603£1,200+£403£41,538£57,841(£16,303)Rent
Month 13£1,604£1,230+£374£42,562£58,530(£15,968)Rent
Month 14£1,605£1,230+£375£43,589£59,224(£15,635)Rent
Month 15£1,605£1,230+£375£44,620£59,923(£15,303)Rent
Month 16£1,606£1,230+£376£45,653£60,626(£14,973)Rent
Month 17£1,607£1,230+£377£46,689£61,335(£14,645)Rent
Month 18£1,608£1,230+£378£47,729£62,048(£14,319)Rent
Month 19£1,609£1,230+£379£48,772£62,766(£13,994)Rent
Month 20£1,609£1,230+£379£49,818£63,489(£13,671)Rent
Month 21£1,610£1,230+£380£50,866£64,217(£13,350)Rent
Month 22£1,611£1,230+£381£51,918£64,949(£13,031)Rent
Month 23£1,612£1,230+£382£52,974£65,687(£12,713)Rent
Month 24£1,613£1,230+£383£54,032£66,430(£12,398)Rent
Month 25£1,613£1,261+£353£55,093£67,146(£12,053)Rent
Month 26£1,614£1,261+£354£56,158£67,868(£11,710)Rent
Month 27£1,615£1,261+£354£57,226£68,595(£11,369)Rent
Month 28£1,616£1,261+£355£58,296£69,326(£11,030)Rent
Month 29£1,617£1,261+£356£59,371£70,063(£10,692)Rent
Month 30£1,618£1,261+£357£60,448£70,804(£10,356)Rent
Month 31£1,618£1,261+£358£61,528£71,551(£10,022)Rent
Month 32£1,619£1,261+£359£62,612£72,302(£9,690)Rent
Month 33£1,620£1,261+£359£63,699£73,059(£9,360)Rent
Month 34£1,621£1,261+£360£64,789£73,820(£9,031)Rent
Month 35£1,622£1,261+£361£65,883£74,587(£8,705)Rent
Month 36£1,623£1,261+£362£66,979£75,359(£8,380)Rent
Month 37£1,623£1,292+£331£68,079£76,105(£8,026)Rent
Month 38£1,624£1,292+£332£69,183£76,856(£7,673)Rent
Month 39£1,625£1,292+£333£70,289£77,611(£7,322)Rent
Month 40£1,626£1,292+£334£71,399£78,372(£6,973)Rent
Month 41£1,627£1,292+£335£72,512£79,138(£6,626)Rent
Month 42£1,628£1,292+£335£73,629£79,910(£6,281)Rent
Month 43£1,629£1,292+£336£74,748£80,686(£5,938)Rent
Month 44£1,629£1,292+£337£75,871£81,468(£5,596)Rent
Month 45£1,630£1,292+£338£76,998£82,255(£5,257)Rent
Month 46£1,631£1,292+£339£78,128£83,047(£4,919)Rent
Month 47£1,632£1,292+£340£79,261£83,845(£4,584)Rent
Month 48£1,633£1,292+£341£80,398£84,648(£4,250)Rent
Month 49£1,634£1,325+£309£81,538£85,424(£3,886)Rent
Month 50£1,635£1,325+£310£82,681£86,205(£3,524)Rent
Month 51£1,635£1,325+£311£83,828£86,991(£3,164)Rent
Month 52£1,636£1,325+£312£84,978£87,783(£2,805)Rent
Month 53£1,637£1,325+£313£86,132£88,580(£2,449)Rent
Month 54£1,638£1,325+£314£87,289£89,383(£2,094)Rent
Month 55£1,639£1,325+£314£88,449£90,191(£1,742)Rent
Month 56£1,640£1,325+£315£89,613£91,004(£1,391)Rent
Month 57£1,641£1,325+£316£90,781£91,823(£1,043)Rent
Month 58£1,642£1,325+£317£91,952£92,648(£696)Rent
Month 59£1,643£1,325+£318£93,126£93,478(£352)Rent
Month 60£1,643£1,325+£319£94,304£94,313(£9)Rent
Month 61£1,644£1,358+£287£95,486£95,121+£364Buy
Month 62£1,645£1,358+£288£96,671£95,935+£736Buy
Month 63£1,646£1,358+£288£97,859£96,754+£1,106Buy
Month 64£1,647£1,358+£289£99,051£97,578+£1,473Buy
Month 65£1,648£1,358+£290£100,247£98,408+£1,839Buy
Month 66£1,649£1,358+£291£101,446£99,244+£2,203Buy
Month 67£1,650£1,358+£292£102,649£100,085+£2,564Buy
Month 68£1,651£1,358+£293£103,856£100,932+£2,924Buy
Month 69£1,652£1,358+£294£105,066£101,784+£3,281Buy
Month 70£1,652£1,358+£295£106,279£102,643+£3,637Buy
Month 71£1,653£1,358+£296£107,497£103,507+£3,990Buy
Month 72£1,654£1,358+£297£108,718£104,377+£4,341Buy
Month 73£1,655£1,392+£264£109,942£105,219+£4,724Buy
Month 74£1,656£1,392+£264£111,171£106,066+£5,105Buy
Month 75£1,657£1,392+£265£112,402£106,919+£5,484Buy
Month 76£1,658£1,392+£266£113,638£107,778+£5,860Buy
Month 77£1,659£1,392+£267£114,877£108,642+£6,235Buy
Month 78£1,660£1,392+£268£116,121£109,513+£6,608Buy
Month 79£1,661£1,392+£269£117,367£110,389+£6,978Buy
Month 80£1,662£1,392+£270£118,618£111,271+£7,347Buy
Month 81£1,663£1,392+£271£119,872£112,159+£7,713Buy
Month 82£1,664£1,392+£272£121,130£113,054+£8,077Buy
Month 83£1,665£1,392+£273£122,392£113,954+£8,438Buy
Month 84£1,665£1,392+£274£123,658£114,860+£8,798Buy
Month 85£1,666£1,426+£240£124,927£115,737+£9,190Buy
Month 86£1,667£1,426+£241£126,200£116,620+£9,580Buy
Month 87£1,668£1,426+£242£127,477£117,509+£9,968Buy
Month 88£1,669£1,426+£243£128,758£118,404+£10,354Buy
Month 89£1,670£1,426+£244£130,043£119,305+£10,737Buy
Month 90£1,671£1,426+£245£131,331£120,213+£11,118Buy
Month 91£1,672£1,426+£246£132,623£121,126+£11,498Buy
Month 92£1,673£1,426+£247£133,920£122,045+£11,874Buy
Month 93£1,674£1,426+£248£135,220£122,971+£12,249Buy
Month 94£1,675£1,426+£249£136,524£123,903+£12,621Buy
Month 95£1,676£1,426+£250£137,832£124,841+£12,991Buy
Month 96£1,677£1,426+£251£139,144£125,785+£13,359Buy
Month 97£1,678£1,462+£216£140,460£126,700+£13,760Buy
Month 98£1,679£1,462+£217£141,779£127,621+£14,159Buy
Month 99£1,680£1,462+£218£143,103£128,548+£14,556Buy
Month 100£1,681£1,462+£219£144,431£129,481+£14,950Buy
Month 101£1,682£1,462+£220£145,763£130,421+£15,342Buy
Month 102£1,683£1,462+£221£147,098£131,367+£15,732Buy
Month 103£1,684£1,462+£222£148,438£132,319+£16,119Buy
Month 104£1,685£1,462+£223£149,782£133,277+£16,504Buy
Month 105£1,686£1,462+£224£151,130£134,243+£16,887Buy
Month 106£1,687£1,462+£225£152,482£135,214+£17,268Buy
Month 107£1,688£1,462+£226£153,837£136,192+£17,645Buy
Month 108£1,689£1,462+£227£155,197£137,177+£18,021Buy
Month 109£1,690£1,499+£191£156,562£138,131+£18,431Buy
Month 110£1,691£1,499+£192£157,930£139,092+£18,838Buy
Month 111£1,692£1,499+£193£159,302£140,059+£19,243Buy
Month 112£1,693£1,499+£194£160,679£141,033+£19,646Buy
Month 113£1,694£1,499+£195£162,059£142,013+£20,046Buy
Month 114£1,695£1,499+£196£163,444£143,000+£20,444Buy
Month 115£1,696£1,499+£197£164,833£143,993+£20,839Buy
Month 116£1,697£1,499+£198£166,226£144,993+£21,232Buy
Month 117£1,698£1,499+£199£167,623£146,000+£21,623Buy
Month 118£1,699£1,499+£200£169,025£147,014+£22,011Buy
Month 119£1,700£1,499+£201£170,430£148,034+£22,396Buy
Month 120£1,701£1,499+£202£171,840£149,061+£22,779Buy
Month 121£1,702£1,536+£166£173,254£150,057+£23,197Buy
Month 122£1,703£1,536+£167£174,673£151,060+£23,613Buy
Month 123£1,704£1,536+£168£176,096£152,070+£24,026Buy
Month 124£1,705£1,536+£169£177,523£153,086+£24,437Buy
Month 125£1,706£1,536+£170£178,954£154,109+£24,845Buy
Month 126£1,707£1,536+£171£180,390£155,139+£25,250Buy
Month 127£1,708£1,536+£172£181,830£156,176+£25,653Buy
Month 128£1,709£1,536+£173£183,274£157,220+£26,054Buy
Month 129£1,711£1,536+£174£184,722£158,271+£26,452Buy
Month 130£1,712£1,536+£175£186,175£159,329+£26,847Buy
Month 131£1,713£1,536+£177£187,633£160,393+£27,239Buy
Month 132£1,714£1,536+£178£189,095£161,465+£27,629Buy
Month 133£1,715£1,575+£140£190,561£162,506+£28,055Buy
Month 134£1,716£1,575+£141£192,032£163,553+£28,478Buy
Month 135£1,717£1,575+£142£193,507£164,608+£28,899Buy
Month 136£1,718£1,575+£143£194,986£165,669+£29,317Buy
Month 137£1,719£1,575+£145£196,470£166,738+£29,732Buy
Month 138£1,720£1,575+£146£197,959£167,813+£30,145Buy
Month 139£1,721£1,575+£147£199,452£168,896+£30,555Buy
Month 140£1,722£1,575+£148£200,949£169,986+£30,963Buy
Month 141£1,723£1,575+£149£202,451£171,084+£31,368Buy
Month 142£1,725£1,575+£150£203,958£172,188+£31,769Buy
Month 143£1,726£1,575+£151£205,469£173,300+£32,169Buy
Month 144£1,727£1,575+£152£206,984£174,419+£32,565Buy
Month 145£1,728£1,614+£114£208,505£175,507+£32,998Buy
Month 146£1,729£1,614+£115£210,029£176,601+£33,428Buy
Month 147£1,730£1,614+£116£211,559£177,703+£33,856Buy
Month 148£1,731£1,614+£117£213,093£178,812+£34,281Buy
Month 149£1,732£1,614+£118£214,632£179,928+£34,703Buy
Month 150£1,733£1,614+£119£216,175£181,052+£35,123Buy
Month 151£1,734£1,614+£121£217,723£182,184+£35,539Buy
Month 152£1,736£1,614+£122£219,276£183,323+£35,953Buy
Month 153£1,737£1,614+£123£220,833£184,469+£36,364Buy
Month 154£1,738£1,614+£124£222,395£185,623+£36,772Buy
Month 155£1,739£1,614+£125£223,962£186,785+£37,177Buy
Month 156£1,740£1,614+£126£225,534£187,954+£37,579Buy
Month 157£1,741£1,654+£87£227,110£189,091+£38,019Buy
Month 158£1,742£1,654+£88£228,691£190,235+£38,456Buy
Month 159£1,743£1,654+£89£230,277£191,387+£38,890Buy
Month 160£1,745£1,654+£90£231,868£192,546+£39,321Buy
Month 161£1,746£1,654+£92£233,463£193,714+£39,750Buy
Month 162£1,747£1,654+£93£235,064£194,889+£40,175Buy
Month 163£1,748£1,654+£94£236,669£196,071+£40,598Buy
Month 164£1,749£1,654+£95£238,279£197,262+£41,017Buy
Month 165£1,750£1,654+£96£239,894£198,460+£41,434Buy
Month 166£1,752£1,654+£97£241,514£199,667+£41,847Buy
Month 167£1,753£1,654+£98£243,139£200,881+£42,257Buy
Month 168£1,754£1,654+£100£244,768£202,103+£42,665Buy
Month 169£1,755£1,696+£59£246,403£203,292+£43,110Buy
Month 170£1,756£1,696+£61£248,042£204,489+£43,553Buy
Month 171£1,757£1,696+£62£249,687£205,694+£43,993Buy
Month 172£1,759£1,696+£63£251,336£206,907+£44,430Buy
Month 173£1,760£1,696+£64£252,991£208,127+£44,864Buy
Month 174£1,761£1,696+£65£254,651£209,356+£45,294Buy
Month 175£1,762£1,696+£66£256,315£210,593+£45,722Buy
Month 176£1,763£1,696+£68£257,985£211,839+£46,146Buy
Month 177£1,764£1,696+£69£259,660£213,092+£46,568Buy
Month 178£1,766£1,696+£70£261,339£214,354+£46,986Buy
Month 179£1,767£1,696+£71£263,024£215,624+£47,400Buy
Month 180£1,768£1,696+£72£264,714£216,902+£47,812Buy
Month 181£1,769£1,738+£31£266,409£218,147+£48,263Buy
Month 182£1,770£1,738+£32£268,110£219,399+£48,711Buy
Month 183£1,772£1,738+£34£269,815£220,660+£49,155Buy
Month 184£1,773£1,738+£35£271,526£221,929+£49,597Buy
Month 185£1,774£1,738+£36£273,242£223,206+£50,035Buy
Month 186£1,775£1,738+£37£274,963£224,492+£50,470Buy
Month 187£1,776£1,738+£39£276,689£225,787+£50,902Buy
Month 188£1,778£1,738+£40£278,420£227,090+£51,330Buy
Month 189£1,779£1,738+£41£280,157£228,402+£51,756Buy
Month 190£1,780£1,738+£42£281,899£229,722+£52,177Buy
Month 191£1,781£1,738+£43£283,647£231,051+£52,596Buy
Month 192£1,783£1,738+£45£285,399£232,389+£53,011Buy
Month 193£1,784£1,781+£2£287,157£233,691+£53,466Buy
Month 194£1,785£1,781+£4£288,921£235,003+£53,918Buy
Month 195£1,786£1,781+£5£290,689£236,323+£54,366Buy
Month 196£1,788£1,781+£6£292,464£237,652+£54,812Buy
Month 197£1,789£1,781+£7£294,243£238,989+£55,254Buy
Month 198£1,790£1,781+£9£296,028£240,336+£55,692Buy
Month 199£1,791£1,781+£10£297,818£241,691+£56,127Buy
Month 200£1,793£1,781+£11£299,614£243,055+£56,559Buy
Month 201£1,794£1,781+£12£301,415£244,429+£56,987Buy
Month 202£1,795£1,781+£14£303,222£245,811+£57,411Buy
Month 203£1,796£1,781+£15£305,034£247,202+£57,832Buy
Month 204£1,798£1,781+£16£306,852£248,603+£58,249Buy
Month 205£1,799£1,826(£27)£308,703£249,995+£58,708Buy
Month 206£1,800£1,826(£26)£310,558£251,395+£59,163Buy
Month 207£1,801£1,826(£24)£312,417£252,803+£59,614Buy
Month 208£1,803£1,826(£23)£314,281£254,218+£60,062Buy
Month 209£1,804£1,826(£22)£316,149£255,642+£60,507Buy
Month 210£1,805£1,826(£21)£318,022£257,074+£60,948Buy
Month 211£1,807£1,826(£19)£319,899£258,514+£61,385Buy
Month 212£1,808£1,826(£18)£321,780£259,962+£61,818Buy
Month 213£1,809£1,826(£17)£323,667£261,418+£62,248Buy
Month 214£1,811£1,826(£15)£325,557£262,883+£62,674Buy
Month 215£1,812£1,826(£14)£327,452£264,356+£63,096Buy
Month 216£1,813£1,826(£13)£329,352£265,837+£63,515Buy
Month 217£1,814£1,872(£57)£331,302£267,326+£63,975Buy
Month 218£1,816£1,872(£56)£333,257£268,824+£64,432Buy
Month 219£1,817£1,872(£54)£335,216£270,331+£64,885Buy
Month 220£1,818£1,872(£53)£337,181£271,846+£65,335Buy
Month 221£1,820£1,872(£52)£339,150£273,369+£65,781Buy
Month 222£1,821£1,872(£51)£341,124£274,901+£66,223Buy
Month 223£1,822£1,872(£49)£343,103£276,442+£66,661Buy
Month 224£1,824£1,872(£48)£345,086£277,992+£67,095Buy
Month 225£1,825£1,872(£47)£347,075£279,550+£67,525Buy
Month 226£1,826£1,872(£45)£349,068£281,117+£67,952Buy
Month 227£1,828£1,872(£44)£351,067£282,693+£68,374Buy
Month 228£1,829£1,872(£42)£353,070£284,278+£68,792Buy
Month 229£1,830£1,918(£88)£355,125£285,871+£69,254Buy
Month 230£1,832£1,918(£87)£357,185£287,474+£69,711Buy
Month 231£1,833£1,918(£85)£359,251£289,086+£70,165Buy
Month 232£1,835£1,918(£84)£361,321£290,707+£70,614Buy
Month 233£1,836£1,918(£82)£363,397£292,337+£71,060Buy
Month 234£1,837£1,918(£81)£365,478£293,976+£71,502Buy
Month 235£1,839£1,918(£80)£367,564£295,625+£71,939Buy
Month 236£1,840£1,918(£78)£369,656£297,283+£72,373Buy
Month 237£1,841£1,918(£77)£371,752£298,950+£72,802Buy
Month 238£1,843£1,918(£76)£373,854£300,627+£73,227Buy
Month 239£1,844£1,918(£74)£375,961£302,313+£73,648Buy
Month 240£1,846£1,918(£73)£378,074£304,009+£74,065Buy
Month 241£1,847£1,966(£119)£380,240£305,714+£74,526Buy
Month 242£1,848£1,966(£118)£382,411£307,429+£74,982Buy
Month 243£1,850£1,966(£117)£384,589£309,154+£75,435Buy
Month 244£1,851£1,966(£115)£386,771£310,888+£75,883Buy
Month 245£1,853£1,966(£114)£388,960£312,633+£76,327Buy
Month 246£1,854£1,966(£112)£391,154£314,387+£76,767Buy
Month 247£1,855£1,966(£111)£393,353£316,151+£77,202Buy
Month 248£1,857£1,966(£110)£395,558£317,925+£77,634Buy
Month 249£1,858£1,966(£108)£397,769£319,709+£78,060Buy
Month 250£1,860£1,966(£107)£399,986£321,503+£78,483Buy
Month 251£1,861£1,966(£105)£402,208£323,307+£78,901Buy
Month 252£1,862£1,966(£104)£404,436£325,122+£79,314Buy
Month 253£1,864£2,015(£152)£406,719£326,946+£79,773Buy
Month 254£1,865£2,015(£150)£409,008£328,781+£80,227Buy
Month 255£1,867£2,015(£149)£411,303£330,627+£80,676Buy
Month 256£1,868£2,015(£147)£413,604£332,483+£81,122Buy
Month 257£1,870£2,015(£146)£415,912£334,349+£81,563Buy
Month 258£1,871£2,015(£144)£418,225£336,226+£81,999Buy
Month 259£1,873£2,015(£143)£420,544£338,113+£82,431Buy
Month 260£1,874£2,015(£141)£422,869£340,012+£82,858Buy
Month 261£1,876£2,015(£140)£425,201£341,920+£83,281Buy
Month 262£1,877£2,015(£139)£427,539£343,840+£83,698Buy
Month 263£1,878£2,015(£137)£429,882£345,771+£84,112Buy
Month 264£1,880£2,015(£136)£432,232£347,712+£84,520Buy
Month 265£1,881£2,066(£184)£434,639£349,665+£84,974Buy
Month 266£1,883£2,066(£183)£437,052£351,628+£85,424Buy
Month 267£1,884£2,066(£182)£439,472£353,603+£85,869Buy
Month 268£1,886£2,066(£180)£441,898£355,588+£86,310Buy
Month 269£1,887£2,066(£179)£444,331£357,585+£86,745Buy
Month 270£1,889£2,066(£177)£446,770£359,594+£87,176Buy
Month 271£1,890£2,066(£176)£449,216£361,613+£87,602Buy
Month 272£1,892£2,066(£174)£451,668£363,644+£88,024Buy
Month 273£1,893£2,066(£173)£454,127£365,687+£88,440Buy
Month 274£1,895£2,066(£171)£456,592£367,741+£88,851Buy
Month 275£1,896£2,066(£170)£459,064£369,807+£89,258Buy
Month 276£1,898£2,066(£168)£461,543£371,884+£89,659Buy
Month 277£1,899£2,118(£218)£464,080£373,973+£90,107Buy
Month 278£1,901£2,118(£217)£466,625£376,074+£90,551Buy
Month 279£1,902£2,118(£215)£469,176£378,187+£90,989Buy
Month 280£1,904£2,118(£214)£471,734£380,312+£91,422Buy
Month 281£1,906£2,118(£212)£474,299£382,448+£91,851Buy
Month 282£1,907£2,118(£210)£476,872£384,597+£92,274Buy
Month 283£1,909£2,118(£209)£479,451£386,758+£92,693Buy
Month 284£1,910£2,118(£207)£482,037£388,931+£93,106Buy
Month 285£1,912£2,118(£206)£484,631£391,117+£93,514Buy
Month 286£1,913£2,118(£204)£487,231£393,315+£93,917Buy
Month 287£1,915£2,118(£203)£489,839£395,525+£94,314Buy
Month 288£1,916£2,118(£201)£492,454£397,748+£94,706Buy
Month 289£1,918£2,170(£253)£495,129£399,983+£95,146Buy
Month 290£1,920£2,170(£251)£497,812£402,231+£95,581Buy
Month 291£1,921£2,170(£249)£500,502£404,492+£96,010Buy
Month 292£1,923£2,170(£248)£503,200£406,765+£96,434Buy
Month 293£1,924£2,170(£246)£505,905£409,052+£96,853Buy
Month 294£1,926£2,170(£245)£508,618£411,351+£97,267Buy
Month 295£1,927£2,170(£243)£511,338£413,663+£97,675Buy
Month 296£1,929£2,170(£241)£514,066£415,989+£98,078Buy
Month 297£1,931£2,170(£240)£516,802£418,327+£98,475Buy
Month 298£1,932£2,170(£238)£519,545£420,679+£98,866Buy
Month 299£1,934£2,170(£237)£522,296£423,044+£99,252Buy
Month 300£1,935£2,170(£235)£525,055£425,422+£99,633Buy

This tool is for educational purposes only and does not constitute financial advice. Consult a qualified financial advisor before making major financial decisions.