🏠
Rent vs Buy Simulator
Compare total cost and net worth of renting vs buying over time. Break-even analysis with charts.
Preset Scenarios
Rent
0K JPY
%
months
years
0K/yr
Buy
0K JPY
%
%
years
0K/mo
0K/yr
0K
years
Simulation Settings
years
%/yr
%/yr
Rent: Total Cost (35 yrs)
6,2620K JPY
Investment Assets: 3,2940K
Buy: Total Cost (35 yrs)
6,5240K JPY
Property Value: 1,9720K
Renting is cheaper by 2620K JPY
Net Worth Comparison
Rent: 3,2940K
Buy: 1,9720K
Renting + investing leads by 1,3220K in net worth
Cumulative Cost Comparison
Net Worth Comparison (Assets - Liabilities)
This is a simplified simulation. Actual costs vary by location, market conditions, and individual circumstances. Not financial advice.
📖How to Use
- 1Enter purchase costs (price, maintenance, property tax) and rental costs (rent, renewal fees)
- 2Set intended years of residence and estimated property value change
- 3See how many years it takes for buying to become more cost-effective
💡Tips & Knowledge
- •Purchasing a home incurs ancillary costs of about 3–5% of the price (registration, agency fees, etc.)
- •Property tax is roughly 1.4% of assessed value; city planning tax (up to 0.3%) may also apply
- •Factor in relocation likelihood, family size changes, and retirement plans when deciding
🔗 Related Tools
🏠
Mortgage SimulatorCalculate mortgage payments, interest, and housing loan tax deductions with visual charts.
🏦Loan Repayment SimulatorCalculate monthly payments and total interest for loans.
🔥Life Plan / FIRE SimulatorSimulate FIRE age, retirement fund sufficiency, and reverse-calculate monthly savings. Asset projection chart included.
📈Compound Interest CalculatorSimulate investment growth with compound interest.
All calculations run in your browser. No data is sent to any server.