Rent frente a Compra calculator
Compare the long-term cost de renting with buying, including upkeep, grow.ª y the money you would invest.
Acerca de Rent frente a buy calculator
Compare the long-term cost de renting with buying, including upkeep, grow.ª y the money you would invest.
Forma parte de la sección «Hipoteca e inmobiliaria» de SmartCalcy. Se ejecuta en tu navegador sin cuenta, usa tu propia moneda y unidades (cámbialas en la parte superior de la página) y da estimaciones solo a título informativo, así que consulta la guía oficial antes de fiarte de un resultado.
Cómo usar la Rent frente a buy calculator
Qué calcula y cuándo usarla
Compare the long-term net cost de renting with buying a similar home, counting upkeep, buying y selling costs, price grow.ª y what the renter could earn by investing the deposit.
Cómo usarla, paso a paso
- Enter the Precio, Entrada, mortgage Tipo y Plazo.
- Enter Anual running costs, buying y selling costs y price grow.ª.
- Enter the rent por a similar home, its Anual Aumento y the return you could earn on your cash.
- Choose the number of años y compare the cumulative costs.
Qué significa cada dato
- Impuesto, insurance y upkeep – A Anual Porcentaje de the home’s Valor.
- Rent Aumento – How much rent rises Cada uno Año.
- Return on Invertido cash – What the Entrada y buying costs could earn if you rented.
Cómo leer los resultados
- Net Coste de buying – Costs Pagadas minus what you would Llévate back on sale después repaying the mortgage.
- Net Coste de renting – Rent Pagadas minus the growth earned on the cash you kept.
- Pulls ahead después – The first Año buying becomes the cheaper option.
La fórmula
Net Coste de buying = deposit + buying costs + mortgage payments + running costs − (sale value × (1 − selling costs) − mortgage balance). Net cost de renting = total rent − upfront cash × ((1 + return)^years − 1).
Un ejemplo práctico
For a 350,000 Inicio with 20% down A 6.5%, rent de 1,700 al mes y 3% grow.ª, buying costs about 144,889 net after 10 años y renting about 185,438, so buying es cheaper by about 40,549 y pulls ahead after year 6.
Supuestos y límites
- The renter invests the upfront cash y nada else.
- No Impuesto relief, no maintenance surprises y no change en rates.
- The decision also depends on lifestyle y flexibility.
Errores comunes
- Treating the mortgage payment as the whole Coste de owning.
- Using an unrealistic Precio growth Tipo.
Preguntas frecuentes
Why does buying lose en short periods?
Buying y selling costs are large, y early mortgage payments are mostly interest.
Is renting throwing money away?
Rent buys housing en the same way interest y upkeep do por owners. Compare total costs, as this tool does.
Herramientas relacionadas
Detalles
- Net Coste de buying
- £144,889costs minus what you Llévate back on sale
- Net Coste de renting
- £185,438rent minus growth on the money you Mantener
- Buying pulls ahead después
- 6 Años
Cumulative net Coste
| Año | Compra | Rent |
|---|---|---|
| 1 | £32,379 | £16,550 |
| 5 | £87,599 | £87,033 |
| 10 | £144,889 | £185,438 |