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Housing-path comparison

Rent vs. buy calculator

Compare long-term net positions while accounting for upfront cash, ownership costs, investing, appreciation, and selling costs.

01

Compare the paths

Housing assumptions

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₱
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years
years
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% of value

Annual estimate for maintenance, property tax, insurance, association dues, and similar costs.

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The renter starts by investing the buyer’s down payment and purchase costs, then invests the monthly cost difference. Results are highly sensitive to appreciation, returns, repairs, and transaction costs.
02

10-year comparison

Estimated net position

Higher modeled net positionBuyingBy about ₱316,337 under these assumptions
Renting vs. buying over timeModeled net position of each path at the end of every year.
BuyingRenting
Year 1Year 5Year 10
Buyer net equity₱3,712,656
Renter investment balance₱3,396,319
Monthly mortgage payment₱31,012
First-month owner cost₱37,262
Future home value₱6,719,582
Mortgage still owed₱2,670,947
Total rent paid₱3,439,164
Buyer upfront cash₱1,150,000

This compares modeled finances, not flexibility, commute, stability, renovation risk, legal due diligence, or the personal value of owning. Test conservative and optimistic scenarios before drawing a conclusion.

A decision, not a verdict

Housing value is more than one monthly payment.

Buying builds equity but requires upfront cash, maintenance, transaction costs, and tolerance for price risk. Renting can preserve flexibility and investable capital.

Run several scenarios. A small change in appreciation, investment return, repairs, or how long you stay can reverse the modeled result.

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