Rent vs Buy Calculator
Compare illustrative renting and buying costs over a chosen time period.
Your results
Enter your figures and select Calculate results.
Illustrative estimates only, not financial advice. Rates, thresholds, taxes and eligibility can change. Check current official UK guidance and provider terms before making financial decisions. Actual outcomes may differ from the assumptions used here.
Rent vs Buy Calculator FAQs
Answers to common questions about this calculator and its assumptions.
What costs does buying include?
The model considers mortgage repayments, deposit, entered fees, maintenance and selling costs.
Does renting include rent increases?
Yes. You can set an assumed annual rent increase.
Is future house price growth certain?
No. Property prices can rise or fall and the growth rate is an illustration.
Does the comparison include every cost?
No. Insurance, taxes, service charges and alternative investment returns may not be fully captured.
For current UK financial rules and independent guidance, visit GOV.UK or MoneyHelper.