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)
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Wealth (Rent)
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| Year | Property Value | Equity (Buy) | Wealth (Rent) | Winner |
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* 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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