Rent vs Buy Calculator
✓ Verified for 2026/27Buying Details
£
£
%
years
£
Stamp Duty is calculated automatically.
%
£
Repairs, service charge, ground rent, buildings insurance
Renting Details
£
%
%
If the deposit and buying costs were invested in an ISA instead.
Comparison Scope
years
Buying Net Wealth
£0
property equity
Renting Net Wealth
£0
invested deposit ISA
Financial Benefit
£0
buying is better
Stamp Duty (England)
£0
calculated tax
Option A: Buying Option Projections
Future Property Value
£0
Less: Remaining Mortgage Balance
- £0
Property Equity (Wealth Asset)
£0
Cumulative Mortgage Payments
£0
Buying Costs (Fees + Stamp Duty)
£0
Cumulative Maintenance Paid
£0
Total Outgoings Paid (Buying)
£0
Option B: Renting & Investing Projections
Initial Invested Capital (Deposit + Fees)
£0
Investment Growth (Compounded ISA)
+ £0
Invested Asset Balance (Wealth Asset)
£0
Cumulative Rent Paid
£0
Total Outgoings Paid (Renting)
£0
Buying builds equity in a physical property asset, while renting can be financially competitive if you diligently invest your saved capital in high-return investment vehicles. The comparison assumes standard 2026/27 UK Stamp Duty rates.
How We Calculated This
- Input variables: Enter the relevant amounts, rates, or percentages in the form.
- Real-time breakdown: The calculator applies HMRC rules and thresholds for the 2026/27 tax year to process the values.
- Display outputs: The visual graphs, donut charts, and tables are compiled dynamically to show your net take-home and deductions.
Real-World Examples
Standard Scenario
A basic calculation applying standard UK tax bands and allowances.
Calculation runs based on standard HMRC rules.
With Pension or Deductions
Factoring in a percentage of salary sacrifice or pension contributions.
Deductions are calculated and adjusted accordingly.
Frequently Asked Questions
Is this calculator updated for the 2026/27 tax year?
Yes, all calculators are fully updated with the latest HMRC thresholds, personal allowances, and National Insurance rates for 2026/27.
Can I use this for official tax submissions?
These tools are for estimation and illustrative purposes only. For official tax returns, please consult a qualified accountant or reference HMRC directly.
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About This Calculator
This calculator uses the latest HMRC rates for the 2026/27 tax year. For illustrative purposes only — always consult a qualified tax adviser for formal advice.