Rent vs Buy Calculator 2026

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.

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.

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.

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.