Rent vs Buy
Home ownership or renting — the honest math
RENT is the better fit
RENT scores 81.08 against BUY's 64.72 — a 16.36-point lead across 5 weighted factors.
Some important inputs are still assumptions rather than your own numbers.
BUY
RENT better fit
BUY RENT Higher is better for that option. Ratings out of 100.
No income was supplied, so the monthly-burden dimension was excluded. Add your income to include it.
No income was supplied, so the cash-impact dimension was excluded rather than guessed.
These factors are computed from your own numbers rather than fixed ratings, so they change when you change an input.
How this score was built
Raw rating × your weight ÷ total weight = the points each factor contributed.
| Factor | Weight | BUY | Points | RENT | Points |
|---|---|---|---|---|---|
| Cost over your horizon | 9 | 96.6 | 23.50 | 100 | 24.32 |
| Equity building | 7 | 18 | 3.41 | 0 | 0 |
| Risk exposure | 7 | 85.6 | 16.19 | 100 | 18.92 |
| Flexibility | 6 | 0 | 0 | 100 | 16.22 |
| Time horizon fit | 8 | 100 | 21.62 | 100 | 21.62 |
| Pearto Score | — | — | 64.72 | — | 81.08 |
Scenarios
RENT stays ahead in every scenario tested. The recommendation survives a uniform change in your inputs.
| Scenario | BUY | RENT | Result |
|---|---|---|---|
| Your numbers now | 64.7 | 81.1 | RENT |
| Optimistic | 62.1 | 81.1 | RENT |
| Likely | 66.3 | 81.1 | RENT |
| Pessimistic | 69.7 | 80.5 | RENT |
These are uniform shocks to every number you entered, not forecasts. They test how much the recommendation depends on your inputs being exactly right.