"A 20m mortgage versus 10m rent" is an incomplete comparison
The buyer pays more, but part of it builds equity in the home. The renter pays less and can invest the difference; the outcome depends on the actual return.
Compare net worth year by year for two options: buying with a loan, or renting and investing the difference.
The buyer pays more, but part of it builds equity in the home. The renter pays less and can invest the difference; the outcome depends on the actual return.
Each month, whichever side spends less invests the difference. At the end, the two net worths are compared — what you actually end up with.
How long you need to stay before buying beats renting. The tool reports only the year buying pulls ahead and stays ahead to the end, not a temporary lead.
The house price, your down payment, the mortgage rate and term; the monthly rent, how fast rent rises, and how many years you plan to stay.
Yearly home price growth, investment return, buying, selling and ownership costs. Future home prices are only an assumption — try several scenarios, including 0%, to see how the result changes.
The cash needed up front, the monthly payment, each side’s net worth year by year, the year buying pulls ahead, total rent paid and total mortgage interest.
One made-up scenario: what the tool returns, and how to read it.
These are illustrative figures, not anyone’s real data. The assumptions are set deliberately high so they match no one’s situation, and are calculated with the app’s own formulas to show how to read the results.
This is not financial advice, nor an offer to lend or invest. To work out your own situation, use the tool in the app.
Net worth if buying = house value − loan − selling costs + money invested. Highlighted: the year buying pulls ahead for good.
| Year | House value | Loan left | If buying | If renting | Ahead |
|---|---|---|---|---|---|
| Year 1 | 66,551,000,000 ₫ | 39,674,158,667 ₫ | 25,545,821,333 ₫ | 27,896,325,161 ₫ | Rent |
| Year 2 | 72,607,141,000 ₫ | 39,310,971,435 ₫ | 31,844,026,745 ₫ | 33,674,493,569 ₫ | Rent |
| Year 3 | 79,214,390,831 ₫ | 38,906,157,951 ₫ | 38,723,945,063 ₫ | 39,892,838,037 ₫ | Rent |
| Year 4 | 86,422,900,397 ₫ | 38,454,947,275 ₫ | 46,239,495,114 ₫ | 46,587,639,239 ₫ | Rent |
| Year 5 | 94,287,384,333 ₫ | 37,952,021,649 ₫ | 54,449,614,997 ₫ | 53,798,402,875 ₫ | Buy |
| Year 6 | 102,867,536,307 ₫ | 37,391,453,829 ₫ | 63,418,731,752 ₫ | 61,568,163,985 ₫ | Buy |
| … | |||||
| Year 10 | 145,739,522,038 ₫ | 34,428,740,093 ₫ | 108,395,991,504 ₫ | 99,241,071,821 ₫ | Buy |
| Year 15 | 225,268,825,030 ₫ | 28,367,390,415 ₫ | 192,396,058,115 ₫ | 165,991,308,004 ₫ | Buy |
| Year 20 | 348,196,857,112 ₫ | 17,939,623,192 ₫ | 323,293,296,778 ₫ | 265,133,800,586 ₫ | Buy |
Swipe sideways to see the whole table.
In the app you can change every assumption and see the result update right away.