Rentvesting Calculator

This calculator compares rentvesting, renting where you want to live while buying an investment property somewhere more affordable, against simply buying a home to live in, using annual cash flow as the test. You enter two sets of figures. For rentvesting: the weekly rent you pay, the investment property loan amount and interest rate, the weekly rental income you expect to receive, and the investment property's annual costs (rates, insurance, maintenance and management). For buying a home: the home loan amount, its interest rate, and the home's annual costs (rates, insurance and maintenance). The calculator adds your rent to the investment property's loan interest and annual costs, then subtracts the rental income, to give your rentvesting outgoing, and works out the home-buying outgoing from the home loan interest plus its annual costs. It then shows which path costs less on cash flow and the dollar difference between the two. Because it treats mortgage interest as the carrying cost, it does not include principal repayment, capital growth, or the detailed tax treatment of a rental, all of which matter for the full financial picture. Use it to sense-check whether renting where you live and investing elsewhere stacks up against owning your own home, then weigh the result alongside growth prospects, lifestyle preferences and proper tax advice. Figures are indicative only and this is not financial advice.

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Rentvesting path

Buy a home to live in

This compares annual cash outgoings only, using mortgage interest as the carrying cost. It does not include principal repayment, capital growth, or the detailed tax treatment of a rental, which all matter and should be weighed alongside the cash flow. Estimate only, not financial advice.