Would you be better off buying a home or renting and investing the difference?
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Buying a home is the biggest financial decision most people make, and 'rent is dead money' is only half the story. Buying comes with stamp duty, legal and moving costs, mortgage interest, repairs, insurance and selling costs – while a renter can invest the deposit and any monthly saving. This calculator follows both paths side by side, year by year for up to 30 years, using the same pot of cash and the same monthly budget. It shows your net worth on each path if you sold up (or cashed in) at the end of any year, the year buying pulls ahead, where the money goes, and how the answer changes with house prices and mortgage rates.
See how it works
The sheets you will use most, in the order you will use them – shown with the sample data every workbook comes with.
Step 1
Every input for buying, renting and your money, plus the figures worked out from them. What you do: fill in the yellow cells.
Step 2
Both paths for 30 years – mortgage, costs, rent, investments and net worth. Your horizon year is highlighted. What you do: nothing to enter.
Step 3
Buying ahead or behind for 25 combinations of house price growth and mortgage rate, and the break-even growth rate. What you do: optionally change the yellow test steps.
Step 4
The 25 re-runs of the model behind the Sensitivity table. What you do: nothing to enter.
Who it is for
Quick start
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