Excel Pro
The full spreadsheet behind the buy or rent calculator. Every formula is visible, so you can check it, change it and test your decision against things going wrong.
| Feature | Free calculator | Excel Pro |
|---|---|---|
| Buy vs rent net worth, break-even year, chart | ✓ | ✓ |
| Stamp Duty, mortgage fixes, early repayment charges, renovations, ISA and GIA tax | ✓ | ✓ |
| Ready-made scenarios (base case, rates up, house prices fall) | – | ✓ |
| Sensitivity tables (house price growth × investment return, rent, rates) | – | ✓ |
| Monte Carlo simulation: how often buying beats renting | – | ✓ |
| Decision summary and checklist of what to watch | – | ✓ |
| Yearly and monthly cash-flow tables, extra charts | – | ✓ |
| Every formula visible and editable | – | ✓ |
£4.99one-off · .xlsx for Excel 365 / Excel 2021 or later
Personal use licence. Sold through Ko-fi.
Coming soon
Who it's for
First-time buyers and movers who want more than one answer: couples comparing paths (stay 5 years or 20), people torn between a bigger deposit and investing, anyone who'd rather see the numbers than trust a black box.
Questions
Does it work in Google Sheets or Numbers?
It's built and tested for Microsoft Excel. Some parts (Monte Carlo, data tables) may not work in other apps.
Is this advice?
No. It's a modelling tool. Read the terms and disclaimer.