Util Monster
Free
Compare projected ending wealth and housing cash paid using assumptions you enter. This planning estimate does not calculate taxes, benefits, loan eligibility, or guaranteed returns.
The calculator uses only the values you enter. Buying starts with the down payment and upfront costs, amortizes a fixed-rate mortgage, adds annual ownership costs, projects home value, subtracts the remaining loan and user-entered selling costs, and reports ending equity. Renting adds rent and other renter costs and invests the buying scenario’s initial cash plus each positive or negative monthly cash-flow difference.
Transaction taxes, legal or registration fees, insurance, property or council tax, building charges, repairs, and relief eligibility vary by location and circumstances. Combine the amounts that apply to you in upfront buying costs, annual ownership costs, annual renter costs, and estimated selling costs. The calculator does not infer a statutory rate or subsidy.
Home values, rents, investment returns, costs, and interest rates can differ from assumptions. Run conservative, central, and adverse cases. Buyer equity and renter investment value are projected ending wealth measures; cash-paid figures show housing outflows and are not tax returns or lender disclosures.
Primary context: GOV.UK home-buying cost guidance. Use actual quotes, bills, taxes, fees, and local rules for your property.