Buy or rent?
Most calculators compare a mortgage payment with rent. This one counts every pound on both sides, then compares what you'd own at the end: buy a home and sell it later, or rent and invest the difference. England, tax year 2026/27.
7 short steps, about 3 minutes. Everything is pre-filled with figures for England, so you only change what you know.
Your result
Calculating…
Net worth over time
The chart could not load. The figures above are still correct.
Where the lines cross is the break-even year. "Buy" assumes you sell at the end and pay selling costs.
Fine-tune every assumption
Change anything below; the result above updates as you type.
Nominal pounds, values at each year end. Educational tool, not financial advice. Tax tables and fees for England 2026/27; check GOV.UK and HMRC for current figures. How the maths works.