Updated for 2026 Tax Year

Buy vs Rent Calculator

Compare the long-term financial impact of buying versus renting. Factors in property appreciation, investment returns on your deposit, rent increases, and all ownership costs.

Saved scenarios

Adjust inputs, then save as a named scenario.

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Property Price (£)

Deposit (£)

Mortgage Rate (%)

Term (years)

Stamp Duty (£)

Other Buying Costs (£)

Solicitor, survey, etc.

Annual Maintenance (£)

Repairs, insurance, service charge

Monthly Rent (£)

Annual Rent Increase (%)

Property Appreciation (%/yr)

Investment Return (%/yr)

Return on deposit if investing instead

Years to Compare

Verdict

Renting wins

Buy: Net Position

£0

Rent: Net Position

£0

Total Spent Buying

£0

Total Spent Renting

£0

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Reference

Guidance & FAQ

This tool applies scenario-specific financial formulas to generate results.
Outputs are standardized into monthly and annual evidence for comparability.
Risk and tax assumptions are stress-tested for 2026 planning accuracy.

Last Updated: 16 Apr 2026

Need a full audit of these calculations? Download the Professional PDF Report

Links & Resources

GOV.UK: Property taxes and buying guidance GOV.UK: SDLT and property tax guidance

Important disclaimer

Content on this site is for educational and planning purposes only and does not constitute regulated financial advice. Always assess your own circumstances and seek guidance from a qualified adviser where appropriate. See the full disclaimer.

Project Cashflow

Buy vs Rent Calculator

Property & Mortgage

Renting & Assumptions

Decision Metrics (After 0 Years)

Equity vs Investment Pot Over Time

Guidance & FAQ

Links & Resources