Rent vs. Buy: Future Net Worth & Opportunity Cost Evaluator

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About the Rent vs. Buy: Future Net Worth & Opportunity Cost Evaluator Tool

Compare the projected net worth over 10-20 years by evaluating the financial path of Buying (appreciation + equity) against Renting and Investing the down payment and monthly savings difference (Opportunity Cost).

Rent vs. Buy: Opportunity Cost Evaluator

See which path—buying a home or renting and investing—builds more wealth over time.

⚙️ Financial Inputs

0. Select Region

Initial Cost Assumptions

Initial Down Payment/Deposit (£)

Expected Investment Return (%)

Timeline & Annual Rates

Time Horizon (Years)

Expected Property Appreciation (%)

Path A: Buying the Home

Home Purchase Price (£)

Estimated Total Monthly Cost (Mortgage + Tax + Insurance) (£)

Path B: Renting & Investing

Estimated Monthly Rent (£)

Total Selling/Closing Costs (%) Estimated percentage of final home value (e.g., Stamp Duty, legal fees, estate agent fees).

✨ Projected Net Worth Comparison

Enter the details above and click 'Compare Net Worth' to see the financial projection.