UK Buy vs Rent Calculator
Buying
Property value
Deposit
Mortgage rate (%)
Mortgage term (years)
Property appreciation (%/yr)
Initial buying costs
Initial repairs
Selling fees (% of sale)
Maintenance (% of value/yr)
Home insurance (annual)
Renting
Return on savings (%/yr)
Monthly rent
Rent increase (%/yr)
Living
Years expected in property
Calculate
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This is a simplified illustration (not advice).
After 20 years, Buying is better by £0
Renting (net position)
Buying (net position)
Buying insights
Renting insights
Tip: Try changing the mortgage rate, deposit, rent growth, or investment return and see how the gap moves.