⚖️ Scenario Comparison Hub
Side-by-Side Financial Decision Models
Compare real Singapore life choices — housing, transportation, weddings, family planning, and career benchmarks with interactive simulators.
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Rent vs Buy Simulator
Evaluate renting + stock market investing against homeownership mortgage equity accumulation in Singapore.
If you rent
Your rental assumptions
$/ month
If you buy
Your purchase assumptions
$total
$total
Down payment source
Loan tenure
$/ month
Market growth assumptions
Long-term parameters
Time horizon
Enter both scenarios to compare
Fill in your rent and your purchase details on the left. We'll model your net financial position under each scenario over your chosen time horizon.
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Key Financial Trade-offs Summary
Strategic decision framework for rent vs buy in Singapore
Renting & Investing
Flexibility & LiquidityAvg Rent: $2,500 - $4,500/mo
✓ Key Advantages:
- Zero long-term debt liability or mortgage commitment
- Full portfolio liquidity in index funds
- Mobility to upgrade or relocate easily
✕ Key Drawbacks:
- Rent is 100% unrecoverable expense
- Subject to landlord renewal price spikes
- No CPF Ordinary Account leverage for rent
Buying Property
Forced Savings & StabilityDownpayment: 20-25% (Min 5% Cash)
✓ Key Advantages:
- Build equity over 25-30 year loan tenure
- Utilise CPF OA for monthly mortgage installment
- Cap property appreciation benefits
✕ Key Drawbacks:
- Incurs BSD/ABSD taxes and mortgage interest
- Requires downpayment cash/CPF buffer ($60k–$200k+)
- Maintenance fees & property tax ongoing cost
💡 Rule of Thumb Guidance: If staying in Singapore 5+ years and eligible for HDB grants, buying usually outperforms renting due to CPF OA deployment. Renting is ideal for short-term expats or high-yield investors seeking portfolio mobility.