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Property Affordability
Compare modeled renting and buying wealth outcomes using explicit assumptions.
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FinTrex result
Rent vs Buy Calculator
Modeled wealth difference: buy minus rent
$100,753
Estimated buyer net wealth
$338,634
Estimated renter net wealth
$237,882
Projection over time
Period 0 to 10
Peak $100,753
What changes this most?
Mortgage rate, home-price growth, rent growth, and the opportunity cost of the deposit are the biggest drivers in this comparison.
Sensitivity check
A roughly 10% move in current monthly rent changes the modeled headline result by up to $33,502 in this setup.
A positive figure favours buying under these entered assumptions; a negative figure favours renting. The model deliberately excludes purchase/sale taxes and fees, insurance, utilities, and other location-specific costs, so add those separately before making a real decision.
Use the number fields, sliders, or a quick preset. You can fully clear a field while editing.
Milestones
Milestones make the final figure easier to evaluate and help you spot when the curve changes most.
Period 3
$23,704
Period 5
$42,306
Period 8
$75,121
Period 10
$100,753
Formula
Renting and buying are compared as two net-wealth paths using the same monthly housing budget logic, home equity, an explicit mortgage term, and investment of whichever path has the lower monthly housing cost.
The renter keeps and invests the deposit. Each month, both renter and owner investment balances receive the same assumed effective annual investment return, and the lower-cost housing path invests the monthly cash-flow difference. The buyer builds home equity through amortisation and home-price growth. Taxes, insurance, transaction costs, selling costs, utilities, and local legal rules are excluded.
Editable rates, growth assumptions, prices, fees, and percentages are planning inputs unless the calculator explicitly identifies a current source.
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