For Buyers & Owners

Rent vs Buy Calculator

Two big decisions, one tool. If you're a renter, see whether buying wins over time. If you already own, see whether to sell now or rent it out.

Your Numbers

Everything updates automatically as you type.

How long you plan to stay / hold.
If You Rent
If You Buy

The Verdict

After your time horizon.

Recommendation
Fill in your numbers on the left.
Option A
₱0
Option B
₱0
Assumptions matter: This is a simplified model. It doesn't account for income tax on rent, mortgage insurance, transaction friction on future sale, or your personal situation and risk appetite. Small changes to appreciation and interest assumptions can flip the result — treat it as a conversation starter, not financial advice. Want a grounded view for your exact property? Talk to Catherine →