Buying and renting spread costs differently. Choose the same period and use concrete amounts for each option.
Compare buying and renting
Compare cash flows over the same period, including expected net sale proceeds.
Use real quotes and sale scenarios. Monthly ownership costs should include payments, IMI, building charges, insurance and upkeep. Final sale proceeds should be net of debt and selling costs. Future prices, rent and rates are not predicted.
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Compare buying and renting
For a purchase, include the deposit, taxes and other initial costs. Monthly costs should include loan payments, IMI, building charges, insurance and maintenance. Test changes in the loan payment.
For renting, include recurring rent and bills. In initial costs, count only amounts you do not expect to recover at the end; a fully refunded deposit is not a net cost. Check the contract terms.
The final sale proceeds are an assumption: subtract outstanding debt and selling costs from a possible sale price. Try a less favourable scenario too. The result does not predict appreciation or decide which option suits your life.
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General information reviewed against official sources available on September 23, 2026. It does not replace legal, tax, financial or technical advice for your circumstances.