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Rent vs Buy Comparison

Compare the financial outcomes of renting versus buying

£
£
£
%
25 years
540
3%/yr
08
3%/yr
08
5%/yr
012
10 years
130
Model assumptions matter: this comparison is most sensitive to how long you stay, local house-price growth, and expected rent increases. Try a cautious case and a base case before deciding.

Net wealth — Buying (10yr)

£198,934

Net wealth — Renting (10yr)

£128,255

Buying wins by £70,679 after 10 years (breakeven at year 1)

Net Wealth Over Time

This comparison is sensitive to assumptions about house price growth and investment returns. With current assumptions, buying breaks even after 1 years. If you're planning to stay less than that, renting may be financially better.

Important: The figures provided by this calculator are for general illustrative purposes only and do not constitute financial advice, a recommendation, or a guarantee of any outcome. Calculations are based on simplified assumptions and may not reflect your individual circumstances. You should seek independent financial advice from a qualified professional before making any financial decisions. Viven accepts no liability for decisions made based on the information provided by this tool.

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