Compare the financial outcome of buying a home versus renting and investing your money instead. This tool accounts for initial costs, monthly expenses, and investment growth for both scenarios to project your net worth over time.
Automatically set to the buyer's deposit + upfront costs for a fair comparison.
The growth rate for your invested funds (initial investment + monthly savings).
This breakdown shows how both scenarios invest their money. The person with the higher monthly cost pays the base amount, and the other person invests the difference.
| Year | Avg Buyer Cost | Avg Renter Cost | Buyer Investment | Renter Investment | Higher Spender |
|---|---|---|---|---|---|
| Year 1 | £2499 | £1804 | £0 | £8340 | Buyer |
| Year 2 | £2511 | £1849 | £0 | £7950 | Buyer |
| Year 3 | £2524 | £1895 | £0 | £7550 | Buyer |
| Year 4 | £2538 | £1942 | £0 | £7141 | Buyer |
| Year 5 | £2551 | £1991 | £0 | £6722 | Buyer |
| Year 6 | £2565 | £2041 | £0 | £6294 | Buyer |
| Year 7 | £2580 | £2092 | £0 | £5856 | Buyer |
| Year 8 | £2595 | £2144 | £0 | £5408 | Buyer |
| Year 9 | £2610 | £2198 | £0 | £4950 | Buyer |
| Year 10 | £2626 | £2253 | £0 | £4481 | Buyer |
| Year 11 | £2642 | £2309 | £0 | £4002 | Buyer |
| Year 12 | £2659 | £2367 | £0 | £3511 | Buyer |
| Year 13 | £2677 | £2426 | £0 | £3009 | Buyer |
| Year 14 | £2694 | £2486 | £0 | £2496 | Buyer |
| Year 15 | £2713 | £2549 | £0 | £1971 | Buyer |
| Year 16 | £2732 | £2612 | £0 | £1434 | Buyer |
| Year 17 | £2751 | £2678 | £0 | £884 | Buyer |
| Year 18 | £2771 | £2745 | £17 | £339 | Buyer |
| Year 19 | £2792 | £2813 | £253 | £0 | Renter |
| Year 20 | £2814 | £2884 | £841 | £0 | Renter |
| Year 21 | £2835 | £2956 | £1442 | £0 | Renter |
| Year 22 | £2858 | £3030 | £2057 | £0 | Renter |
| Year 23 | £2881 | £3105 | £2686 | £0 | Renter |
| Year 24 | £2905 | £3183 | £3330 | £0 | Renter |
| Year 25 | £2930 | £3262 | £3988 | £0 | Renter |
| Year 26 | £2956 | £3344 | £4661 | £0 | Renter |
| Year 27 | £2982 | £3428 | £5349 | £0 | Renter |
| Year 28 | £3009 | £3513 | £6053 | £0 | Renter |
| Year 29 | £3037 | £3601 | £6773 | £0 | Renter |
| Year 30 | £3065 | £3691 | £7509 | £0 | Renter |
| Year | Buyer's Net Worth | Renter's Net Worth | Difference | Winner |
|---|---|---|---|---|
| Year 5 | £216691 | £194010 | £22681 | Buy |
| Year 10 | £354709 | £308123 | £46585 | Buy |
| Year 15 | £518088 | £455576 | £62512 | Buy |
| Year 20 | £711656 | £649581 | £62075 | Buy |
| Year 25 | £941195 | £920863 | £20332 | Buy |
| Year 30 | £1213631 | £1305439 | £91807 | Rent |