UK Buy vs Rent Calculator

Compare the long-term financial outcome of buying a home versus renting in the UK. See your projected net worth, breakeven year, and total costs under either path.

Purchase & Loan

Home Price

£100,000£2,000,000

Deposit (20%)

£32,500£650,000

Deposit %

5%100%

Mortgage Rate

1%10%

Mortgage Term

yrs

5 yrs40 yrs

Rental

Monthly Rent (comparable home)

£500£10,000

Your Estimate

Renting Net Worth at Year 10

£847

Buying Net Worth

-£154,713

Renting Net Worth

£847

Breakeven Year

Year 0

Difference

Renting saves £155,560

Renting is ahead at year 10, but buying may still win if you stay longer.

BuyingRenting

Net Worth Over Time

Buying

Renting

Home Affordability🇬🇧 UK

How Much Mortgage Can I Afford in the UK?

Complete guide covering income multiples, the Bank of England stress test, stamp duty costs, and step-by-step budget examples for UK buyers.

Read article