🏠 Rent vs Buy Comparison

Compare the financial impact of renting vs buying a home in the UK

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

Comparing over 25 years with the same mortgage term

Comparison Results

Year 25, Month 12 (Month 300 of 300)
Drag the slider below to explore different points in time
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.
Month-by-month comparison — monthly outgoings and running net worth for all 300 months
MonthBuy/moRent/moMonthly diffBuy net worthRent net worthNet diff (Buy−Rent)
Month 1£1,594£1,200+£394£30,469£50,238£19,770Rent
Month 2£1,595£1,200+£395£31,460£50,906£19,446Rent
Month 3£1,596£1,200+£396£32,454£51,579£19,124Rent
Month 4£1,597£1,200+£397£33,452£52,256£18,804Rent
Month 5£1,598£1,200+£398£34,452£52,937£18,486Rent
Month 6£1,598£1,200+£398£35,455£53,624£18,169Rent
Month 7£1,599£1,200+£399£36,461£54,315£17,853Rent
Month 8£1,600£1,200+£400£37,471£55,010£17,540Rent
Month 9£1,601£1,200+£401£38,483£55,711£17,228Rent
Month 10£1,601£1,200+£401£39,498£56,416£16,918Rent
Month 11£1,602£1,200+£402£40,516£57,126£16,610Rent
Month 12£1,603£1,200+£403£41,538£57,841£16,303Rent
Month 13£1,604£1,230+£374£42,562£58,530£15,968Rent
Month 14£1,605£1,230+£375£43,589£59,224£15,635Rent
Month 15£1,605£1,230+£375£44,620£59,923£15,303Rent
Month 16£1,606£1,230+£376£45,653£60,626£14,973Rent
Month 17£1,607£1,230+£377£46,689£61,335£14,645Rent
Month 18£1,608£1,230+£378£47,729£62,048£14,319Rent
Month 19£1,609£1,230+£379£48,772£62,766£13,994Rent
Month 20£1,609£1,230+£379£49,818£63,489£13,671Rent
Month 21£1,610£1,230+£380£50,866£64,217£13,350Rent
Month 22£1,611£1,230+£381£51,918£64,949£13,031Rent
Month 23£1,612£1,230+£382£52,974£65,687£12,713Rent
Month 24£1,613£1,230+£383£54,032£66,430£12,398Rent
Month 25£1,613£1,261+£353£55,093£67,146£12,053Rent
Month 26£1,614£1,261+£354£56,158£67,868£11,710Rent
Month 27£1,615£1,261+£354£57,226£68,595£11,369Rent
Month 28£1,616£1,261+£355£58,296£69,326£11,030Rent
Month 29£1,617£1,261+£356£59,371£70,063£10,692Rent
Month 30£1,618£1,261+£357£60,448£70,804£10,356Rent
Month 31£1,618£1,261+£358£61,528£71,551£10,022Rent
Month 32£1,619£1,261+£359£62,612£72,302£9,690Rent
Month 33£1,620£1,261+£359£63,699£73,059£9,360Rent
Month 34£1,621£1,261+£360£64,789£73,820£9,031Rent
Month 35£1,622£1,261+£361£65,883£74,587£8,705Rent
Month 36£1,623£1,261+£362£66,979£75,359£8,380Rent
Month 37£1,623£1,292+£331£68,079£76,105£8,026Rent
Month 38£1,624£1,292+£332£69,183£76,856£7,673Rent
Month 39£1,625£1,292+£333£70,289£77,611£7,322Rent
Month 40£1,626£1,292+£334£71,399£78,372£6,973Rent
Month 41£1,627£1,292+£335£72,512£79,138£6,626Rent
Month 42£1,628£1,292+£335£73,629£79,910£6,281Rent
Month 43£1,629£1,292+£336£74,748£80,686£5,938Rent
Month 44£1,629£1,292+£337£75,871£81,468£5,596Rent
Month 45£1,630£1,292+£338£76,998£82,255£5,257Rent
Month 46£1,631£1,292+£339£78,128£83,047£4,919Rent
Month 47£1,632£1,292+£340£79,261£83,845£4,584Rent
Month 48£1,633£1,292+£341£80,398£84,648£4,250Rent
Month 49£1,634£1,325+£309£81,538£85,424£3,886Rent
Month 50£1,635£1,325+£310£82,681£86,205£3,524Rent
Month 51£1,635£1,325+£311£83,828£86,991£3,164Rent
Month 52£1,636£1,325+£312£84,978£87,783£2,805Rent
Month 53£1,637£1,325+£313£86,132£88,580£2,449Rent
Month 54£1,638£1,325+£314£87,289£89,383£2,094Rent
Month 55£1,639£1,325+£314£88,449£90,191£1,742Rent
Month 56£1,640£1,325+£315£89,613£91,004£1,391Rent
Month 57£1,641£1,325+£316£90,781£91,823£1,043Rent
Month 58£1,642£1,325+£317£91,952£92,648£696Rent
Month 59£1,643£1,325+£318£93,126£93,478£352Rent
Month 60£1,643£1,325+£319£94,304£94,313£9Rent
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.