PropPocket · RentVest
Rent or buy: what growth would this home need?
See how fast a home would need to grow for buying to beat renting. You decide if that's likely.
Coming from BidReady?
Growth the home needs
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What do you think it'll grow by, a year?
What would shares earn, a year?
What if prices fall first?
General information, not financial advice. Every assumption can be changed.
Why it isn't just rent vs mortgage
Building wealth: deposit, loan paid off, investmentsGone for good
How the two paths grow
Buy nowRent + investIf you sold that year
More detailWeekly budget check, what moves the answer, and every number
Week to week
$
What moves your answer most
Compare every input
Lowers the growth neededRaises it
Staying longer lowers the bar
Where the money goes
The numbers
How it's worked out
- Both paths start with the same cash. The buyer spends it on the deposit, stamp duty, LMI and buying costs; the renter invests it.
- Each month both spend the same total. Whoever's costs are lower invests the difference, or the share you choose.
- Stamp duty, first home buyer rules, LMI and cost defaults match BidReady.
- Tax follows the law passed in June 2026. Your home is free of capital gains tax. Share income is taxed each year. Gains made before 1 July 2027 get the 50% discount; later gains are taxed on a cost base raised with inflation, at your rate but at least 30%. An established investment property's losses come off your salary tax only until 30 June 2027, then carry forward and reduce the pre-2027 part of the eventual gain first. The post-2027 minimum is 30% income tax plus any Medicare levy. The property's value on 1 July 2027 is estimated with Treasury's draft method; indexation uses your inflation setting as CPI. Exemptions for people on income support and exact tax-year timing aren't modelled. No franking credits.
- Dollar results are in future dollars; the headline result is also shown in today's money, using your inflation setting (costs rise).
- Not included: moving, renovations, future changes to tax law, and what security or flexibility is worth to you.
- General information only, not advice. It tests assumptions; it doesn't forecast.