Planning Tools

Buy vs Rent

Compare owner vs renter net worth over your timeline — Canadian mortgage math, carrying costs, home appreciation, and reinvested rent savings.

Step 1

Your scenario

The property

Home price

Province

Down payment

20% · $100,000

Mortgage rate (%)

Amortization

Renting & timeline

Initial rent ($/month)

Time horizon

Invest return (%/yr)

Rent increase (%/yr)

Home appreciation (%/yr)

Advanced assumptions

Mortgage mechanics

Term (yrs)

Renewal rate (%)

Payment mode

Extra prepay ($/mo)

CMHC PST rate (%)

Ongoing costs

Property tax (%/yr)

Maintenance (%/yr)

Condo / HOA ($/mo)

Owner ins / util delta ($/mo)

Reno reserve (%/yr)

One-time reno ($)

Transaction & macro

Buyer closing (%)

Seller costs (%)

Invest fees / MER (%)

Acct tax drag (%)

Inflation (%/yr)

Renter insurance ($/mo)

Step 2

After 10 years

Renting winsby $7,438

Owner net worth

$343.2K

Home equity: $343.2K

Renter net worth

$350.6K

Invested portfolio: $350.6K

Break-even appreciation

3.16% / yr

Monthly carrying

$3,262

Wealth trajectory

Monthly rent$2,200

Illustrative only — not financial advice.

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