Rent vs Buy Projection Tool

Compare two paths: renting (and investing) vs buying (house + mortgage + remaining investments).

Educational projections only · Terms of Use

Inputs

1) Starting position Shared

Total money available today (£)

Cash plus any accessible investments you could use.

Investment return assumption (%)

Simplified average annual return (before tax).

Cash reserve to keep aside (£)

Emergency fund - not used in either scenario.

Long-term investments to keep aside (£)

Not used for house deposit in this version of the tool.

Money available for the decision (£)

£0

This pot is used for: rent investing, and/or buy deposit and remaining investments.

Projection horizon (years)

2) Rent path Rent

Annual rent (£)

Rent increase per year (%)

In the rent path, the “money available for the decision” is invested and rent is paid out of it each year. If it runs out, it is clamped to £0 (a simplification).

3) Buy path Buy

House price (£)

Deposit from available pot (£)

If you intend to sell “kept aside” investments to fund deposit, reduce that “kept aside” figure.

Mortgage rate (%)

Mortgage term (years)

Property growth per year (%)

Maintenance (% of property value)

One-off transaction costs (£)

Stamp duty, legal fees, survey, etc. (simplified, one-off).

Remaining invested pot after deposit (£)

£0

This is invested alongside the property equity in the buy path.

In the buy path, the remaining pot is invested and annual maintenance is deducted. Mortgage amortisation is modelled.

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Results

Rent:
-

Buy:
-

Difference:
-

Break-even:
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