Comparing and switching
Rent vs buy
Comparing rent to a repayment is not a fair comparison — it ignores what the deposit would have done elsewhere, and it treats every dollar of a repayment as a cost when part of it is saving. This accounts for both.
Your numbers
750,000
150,000
650
Result
After 10 years
Buying ahead by $174,368
- Property value then
- $1,110,183
- Debt remaining
- $505,426
- Equity
- $604,757
- Repayments and holding costs paid
- $473,316
- Rent paid over the period
- $338,000
- Deposit if invested instead
- $295,073
The answer swings hard on the growth and return assumptions, and neither is knowable. Move them a point in either direction to see how little the conclusion is worth on its own.
What this does not tell you · It compares two financial paths and nothing else. Security of tenure, the freedom to move, and what a home is for do not appear in either column.
Put this on your own site
This calculator ships as part of a Finance OS build, on your brand and your booking link, so an enquiry that starts with a number ends in your calendar rather than on a bank’s website.