Rent versus buy

Compare renting and buying with equal starting wealth and monthly budgets, including sale costs and remaining debt.

Equal capital and budget for both choices

Shared initial capital (THB)Shared monthly budget (THB)Housing horizon (months)House price (THB)Down payment (THB)Cash buying costs (THB)Mortgage annual rate (%)Mortgage term (months)Mortgage rate basisMonthly rent (THB)Annual rent increase (%)Fully refundable rental deposit (THB)Owner costs excluding mortgage (THB/month)Annual owner cost increase (%)Annual home value change (%)Effective annual side-investment return (%)Selling costs (% of sale value)

Include maintenance, insurance and taxes in owner costs, excluding mortgage payments. Both invest unused monthly budget at month end. Costs above budget require correction.

One-off owner expenses

Compare another scenario

Inputs remain in page memory, are not saved and are not sent to analytics.

Scenario result

Enter your assumptions and calculate the scenario.

Calculations retain decimal precision and display two decimals; rounded rows can differ slightly from totals. This model does not guarantee profit, a probability of success, or lifetime funding.

Owner wealth is sale value minus sale costs and remaining debt plus side investments; repaid principal is not added again. Renter wealth includes the fully returned deposit. First leading month does not imply a lasting advantage.

How to use this calculator

Set the inputs

Enter house price, down payment, rent and mortgage terms, with the same starting wealth and monthly budget for both plans.

Check the terms

Enter purchase, sale and maintenance costs, plus assumptions for rent, house prices and returns on remaining cash.

Read the result

Compare end-of-horizon net wealth after debt and sale costs, rather than rent and installments alone.

A worked example

Illustrative calculation

Compare equal starting wealth and monthly budgets. A down payment reduces debt but is not profit. Invest each side’s remaining cash before comparing net wealth.

Compare a second scenario

Shorten the intended stay while holding transaction costs fixed to see how one-off costs affect the result.

Common questions

Where does my information go?

Calculations run in your browser. Financial inputs are neither saved locally nor sent to analytics. Reloading restores the initial values.

What are this model’s limitations?

Quality of life, market liquidity and actual resale prices are not assessed. House-price growth and investment returns are assumptions.