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Rent versus buy cash-flow comparison calculator UK

Compare monthly housing cash outgoings with a repayment mortgage and ownership costs. Check the formula, worked example and limits before using your own figures.

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Your estimate

Monthly buying-minus-renting cash flow

£550.75
Buying cash outflow£1,750.75
Renting cash outflow£1,200.00
Mortgage payment£1,500.75

Use your actual figures. Any prefilled price, fee, rate or return is an editable illustration, not a current product quote. This compares cash flow, not total economic return. Excludes transaction costs, capital growth, opportunity cost and equity built through mortgage principal.

How the rent versus buy cash-flow comparison calculator uk works

Ownership cash outflow = mortgage payment + ownership-only costs. Compare with rent + renting-only costs.

Data basis: mathematical formula using your inputs. Example prices and rates are illustrative, not current market quotes.

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Worked example: rent versus buy cash-flow comparison

This illustration uses the calculator’s example inputs. It is not a quote or a recommended financial decision.

Monthly rent (£)
1,200
Proposed mortgage (£)
270,000
Nominal mortgage interest (%)
4.5
Years
25
Monthly ownership-only costs (£)
250
Monthly renting-only costs (£)
0

Monthly buying-minus-renting cash flow: £550.75

Ownership cash outflow = mortgage payment + ownership-only costs. Compare with rent + renting-only costs.

Rent versus buy cash-flow comparison: questions answered

What does the rent versus buy cash-flow comparison calculation include?

Ownership cash outflow = mortgage payment + ownership-only costs. Compare with rent + renting-only costs. Use your actual figures. Any prefilled price, fee, rate or return is an editable illustration, not a current product quote. This compares cash flow, not total economic return. Excludes transaction costs, capital growth, opportunity cost and equity built through mortgage principal.

Plan the next step

Mortgage repayment calculator UK: See what your home loan could cost each month.

Loan-to-value calculator UK: mortgage LTV: Find the share of your property funded by the mortgage.

Browse the mortgages calculators for more tools in this topic.

Using your result

Example inputs are a starting point. Replace them with your figures and select Calculate result. Results are rounded for display; calculations use unrounded values.

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