حاسبة الإيجار أم الشراء.

Simplified: tax relief, capital gains tax and rent rules are not modelled. Up to 50 years. Not financial advice. Everything is calculated in your browser; nothing you type is uploaded.

Month by month, the owner pays the mortgage, property tax, upkeep and insurance; whoever pays less than the other invests the difference. The renter also invests the deposit and buying costs. Wealth to buy = home value after selling costs − loan left + investments.

A 350,000 home with 20 % down at 4 % over 25 years costs 1,477.94 a month in mortgage payments; against 1,300 rent and a 5 % return, renting is slightly ahead after 15 years.