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Rent vs. Buy Calculator

Rent vs. buy calculator: compare the net wealth you build by renting or buying, accounting for property appreciation, investment returns and rent growth.

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Compare net wealth accumulated from buying vs. renting over a given horizon, accounting for property appreciation, investment returns, and rent growth.

Values pre-loaded based on the Montreal and Laval market (2025). Adjust to match your situation.

Buy scenario

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Rent scenario

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Net Worth (Buy) - -
Wealth (Rent) - -

Rent or buy: the verdict

YearProperty ValueEquity (Buy)Wealth (Rent)Winner

* Simplified simulation. Buy equity = property value - mortgage balance. Rent wealth = down payment invested + monthly savings re-invested at the stated return rate. Maintenance estimated at 1% of initial value per year. Not included: transaction fees, capital gains tax, insurance, etc. For informational purposes only.

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Where these figures come from

The calculators on this site apply the Quebec rules in force: transfer duty brackets by municipality, CMHC insurance premiums based on the down payment, the legal minimum down payment, the GDS and TDS ratios Canadian lenders use, and the stress test rate. The calculation runs entirely in your browser: no amount you enter is sent anywhere or stored.

What a calculator cannot do

The result is an estimate, not a mortgage pre-approval, not a certified appraisal and not tax advice. A lender decides on your full credit file, your proof of income and the nature of the property. Scales and rates change during the year. Check any figure that matters with your lender, your notary or your accountant before committing. The limits of these tools are set out in the terms of use.

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