Rent vs Buy Calculator 2026

Enter price, rent, rates and your own assumptions about prices and returns to compare net worth by year; every assumption is editable.

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Buying
Renting
Your assumptions

Home price change and investment return both default to 0%, so the tool assumes neither optimism nor pessimism for you. The buying, holding and selling costs and the rent are placeholders for illustration; replace them with your own numbers. Rent growth defaults to 0% because this site does not yet carry the latest rent component of the consumer price index from the Directorate-General of Budget, Accounting and Statistics; enter your own.

From year 23, net worth from buying passes net worth from renting

This result comes from placeholder assumptions. Replace them with your own numbers before reading anything into it.

Net worth if buying End of year 30
NT$14.4M
Net worth if renting End of year 30
NT$13.1M
Buy minus rent
+NT$1.32M
Crossover year
Year 23
From year 23, net worth from buying passes net worth from rentingLine chart with years on the horizontal axis and net worth on the vertical axis. The solid blue line is buying, the dashed orange line is renting, and a vertical line marks the year the two cross.0M5M10M15MNet worth (NT$)151015202530yrYear 23Net worth if buyingNet worth if rentingFrom year 23, net worth from buying passes net worth from rentingLine chart with years on the horizontal axis and net worth on the vertical axis. The solid blue line is buying, the dashed orange line is renting, and a vertical line marks the year the two cross.0M5M10M15MNet worth (NT$)151015202530yrYear 23Net worth if buyingNet worth if renting
Chart data (table)
YearBuyingRentingBuy minus rent
1NT$4.15MNT$5.08M−NT$0.93M
2NT$4.4MNT$5.35M−NT$0.96M
3NT$4.65MNT$5.63M−NT$0.98M
4NT$4.92MNT$5.9M−NT$0.99M
5NT$5.18MNT$6.18M−NT$1M
6NT$5.46MNT$6.46M−NT$1M
7NT$5.74MNT$6.73M−NT$0.99M
8NT$6.03MNT$7.01M−NT$0.98M
9NT$6.33MNT$7.28M−NT$0.96M
10NT$6.63MNT$7.56M−NT$0.93M
11NT$6.94MNT$7.84M−NT$0.9M
12NT$7.25MNT$8.11M−NT$0.86M
13NT$7.58MNT$8.39M−NT$0.81M
14NT$7.91MNT$8.66M−NT$0.76M
15NT$8.25MNT$8.94M−NT$0.69M
16NT$8.59MNT$9.22M−NT$0.62M
17NT$8.95MNT$9.49M−NT$0.54M
18NT$9.31MNT$9.77M−NT$0.46M
19NT$9.69MNT$10M−NT$0.36M
20NT$10.1MNT$10.3M−NT$0.25M
21NT$10.5MNT$10.6M−NT$0.14M
22NT$10.9MNT$10.9M−NT$0.02M
23NT$11.3MNT$11.1M+NT$0.11M
24NT$11.7MNT$11.4M+NT$0.26M
25NT$12.1MNT$11.7M+NT$0.41M
26NT$12.5MNT$12M+NT$0.57M
27NT$13MNT$12.3M+NT$0.74M
28NT$13.5MNT$12.5M+NT$0.92M
29NT$13.9MNT$12.8M+NT$1.12M
30NT$14.4MNT$13.1M+NT$1.32M

Results are estimates for reference and are not financial, tax or legal advice. Actual rates, loan limits, grace periods and approval depend on the lending bank. Policy terms are as of 2026-11-10; check the Ministry of Finance and each bank for later changes.

How do I read the result?

The two lines are the net worth of the buy path and the rent path by year. Where they cross, the leader changes; if they never cross, the same side leads throughout.

The result depends entirely on your assumptions, above all the yearly change in home prices and the renter’s investment return. Change those two and watch the chart to see how sensitive the conclusion is.

How this result is produced

Buyer net worth = home value less selling costs and loan balance. Renter net worth = the down payment plus one-off buying costs, plus the monthly difference saved, compounded at the return you enter. Whichever side spends more each month sets the shared budget, and the other side saves the difference. Mortgage interest deductions, tax differences and moving costs while renting are not included.

Buyer net worth = home value less selling costs and loan balance. Renter net worth = the down payment plus one-off buying costs, plus the monthly difference saved, compounded at the return you enter. Whichever side spends more each month sets the shared budget, and the other side saves the difference. Mortgage interest deductions, tax differences and moving costs while renting are not included. The result depends entirely on your assumptions.

Where does the data come from?

Frequently asked questions

How does this tool compare buying and renting?

Buyer net worth is the home value less selling costs and the loan balance. Renter net worth is the down payment plus one-off buying costs, plus the monthly difference saved, compounded at the return you enter. The default case is a NT$15M home with NT$4.5M down, a 30-year loan at 2.318% and NT$30,000 monthly rent, compared over 30 years.

Why is the default home-price growth 0?

The defaults are 0% yearly price change, 0% yearly rent growth and 0% return for the renter, so the tool does not start from an optimistic or pessimistic future. To test rising or falling prices, change these three; the result moves noticeably.

What costs does the buyer pay?

By default the buyer pays one-off costs of 2% of the price (agent and paperwork fees, deed tax), yearly holding costs of 1% (property and land tax, management fees, repairs) and selling costs of 4% of the sale price. These are illustrative assumptions; change them to fit your case.

Can I treat the result as advice on whether to buy?

No. The result depends entirely on your assumptions, leaves out mortgage interest deductions, tax differences and moving costs while renting, and does not forecast prices. In the default case, at the end of year 30 the buyer’s net worth is NT$14.4M and the renter’s is NT$13.1M; this only shows how the calculation works.

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