Interactive Calculator
Rent vs Buy Simulator
🔒Private
🔒 Privacy Guaranteed
Calculations run 100% locally in your browser. No financial inputs or personal data are retained or sent to any server.Compare the compounding net worth and opportunity costs of renting + investing vs. homeownership equity pools.
🔑
If you rent
Your rental assumptions
$30,000 / yr
$/ month
Annual rent increase3.0% p.a.
0.0% (Flat)4.0%8.0% (High)
🏠
If you buy
Your purchase assumptions
$total
20.0% of price
$total
Down payment source
Mortgage interest rate3.0% p.a.
1.5%3.5% (HDB)6.0%
Loan tenure
$/ month
📈
Market growth assumptions
Long-term parameters
Annual home appreciation2.0% p.a.
-2.0%2.0% (SG Avg)6.0%
Investment portfolio return5.0% p.a.
0.0%5.0% (Balanced)10.0% (Equities)
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.
Clear Answers
Frequently Asked Questions
Property purchases allow you to leverage 75%–80% of the asset value using low-interest mortgage loans while utilizing CPF Ordinary Account balances that would otherwise earn 2.5%, paired with Singapore’s historical land-scarcity property appreciation.