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Beta — Stacko is an early version. Your feedback helps shape the product.

Rent vs buy calculator

You've saved a deposit. Find out whether it works harder as a down payment on your own home, or invested while you keep renting. No sign-up needed.

The basics
Available deposit / lump sumThis is the amount compared in both scenarios
R
Time horizon (years)
Marginal income tax rate
Current monthly rent you pay
R

Think of the time horizon as how long you'd stay in the property — or keep the investment running. The longer the horizon, the more buying tends to benefit from compounding growth.