Rent or buy?
The honest comparison: how much wealth do you have after X years – as a buyer, or as a renter who invests the difference? Including appreciation, rent growth and selling costs. Everything runs on your device.
Rent vs buy calculator
If you buy, you carry the property and financing into Kontoo – with a repayment plan, net worth and forecast, all private on your device.
FAQ
Rent vs buy, explained
Is it better to rent or buy?
It depends on price, interest, appreciation, rent and investment return. The calculator compares both fairly: it puts wealth after X years side by side – buying (property value minus remaining balance and selling costs) against renting (down payment plus the invested savings).
Why does the renter invest the difference?
A fair comparison accounts for opportunity cost: a renter ties up no equity and can invest it plus the monthly savings. Both sides start with the same capital (down payment + closing costs); whichever is cheaper each month invests the difference at the assumed return.
What assumptions are realistic?
Long term, property appreciation and broadly diversified stock ETFs have roughly been 2–6 % per year – volatile and not guaranteed. Run several scenarios and keep a buffer. Taxes (e.g. capital gains, prepayment penalties) are not modelled.
Is my data stored?
No. The calculator runs entirely on your device – no account, no cloud, no tracking. There is no server that sees your input.
Your data stays with you. Full stop.
Kontoo collects, sees and stores none of your data. No account, no cloud, no trackers, no ads – this calculator too runs entirely on your device.