Hausee Rent vs Buy Simulator

Hausee is Canada's home buying co-pilot, helping Canadians make smarter home buying decisions. Use the Hausee Rent vs Buy Simulator to factor in CMHC default rates, Ontario land tax rebates, and compound stock growth to visualize detailed wealth outcomes.

Example: average Toronto buyerNational Average

Enter city name or postal prefix (e.g., M5V, Toronto, V6B, Calgary) to load local property tax & appreciation rates.

1. Home Purchase Parameters

Price, down payment, & mortgage interest

Try dragging a slider
$650,000
$200k$2.0M
10% ($65,000)
Min: 7%100%
5.2%
2.0%10.0%
4% / yr
0%10.0%

2. Renting & Investment Assets

Monthly rent & alternative stock market return

$2,400
$1,000$6,000
6.5% / yr
2.0%12.0%
10 Years
1 Year15 Years30 Years
Recommended by Math10-Year Horizon

Renting & Investing Builds More Net Wealth

Over a 10-year period, renting and diligently investing the cash difference accumulates $53,031 more liquid wealth than homeownership.

Best Outcome • Rent & Invest
+$53,031 ahead vs. buying

Ending Investment Portfolio (Year 10)

$517,548

Liquid investment balance achieved by compounding the upfront down payment/closing capital plus monthly cash-flow savings.

Year 0 Initial Capital$83,475
Expected Return Rate6.5% / yr
Total Rent Paid$361,516
Net Rent Cost-$72,557
Baseline ComparisonRent Only

Cumulative Rent Paid (10 Years)

$361,516

Rent + utilities with annual inflation without investing the down payment difference.

Ending Asset Wealth:$0
Alternative Scenario
Buy Scenario

Net Liquid Buy Wealth (10 Years)

$464,517

Home equity minus estimated 5% selling commissions & legal fees on sale.

Net Cost of Ownership:-$124,459

Canadian Buyer Upfront & Monthly Summary

Monthly Mortgage$3,577P&I with CMHC
CMHC Premium$18,135Tacked onto mortgage
Closing Costs & LTT$18,475Ontario & Toronto net rebates
Total Upfront Cash$83,475Matched Renter Year 0 fund
Chart 1 • What Did I Pay?Cumulative Outflow

Total Cash Outflow & Sunk Costs Comparison

Side-by-side comparison of cumulative cash paid out over time

Total Rent Outflow
Total Buy Outflow
Sunk/Unrecoverable Buy Costs
Year 0
Rent
Buy
Rent Outflow:$0
Buy Outflow:$83,475
Sunk Cost:$18,475
Year 3
Rent
Buy
Rent Outflow:$96,070
Buy Outflow:$262,440
Sunk Cost:$158,947
Year 5
Rent
Buy
Rent Outflow:$165,680
Buy Outflow:$384,676
Sunk Cost:$252,024
Year 8
Rent
Buy
Rent Outflow:$279,228
Buy Outflow:$572,862
Sunk Cost:$390,453
Year 10Horizon
Rent
Buy
Rent Outflow:$361,516
Buy Outflow:$701,825
Sunk Cost:$481,723
Inspection at Year 10 (Selected Horizon)

Rent Total Paid: $361,516 | Buy Total Paid: $701,825

Note: Buy outflow includes mortgage principal, which builds equity rather than being purely spent.
Chart 2 • What Do I Have?Net Wealth Trajectory

Net Wealth Growth Trajectory

Compound trajectory of true net liquid assets over 10 years

Net Buy Wealth (Liquid)
Rent & Invest Portfolio
$0k$198k$397k$595kYr 0Yr 6Yr 10
Selected Horizon (Year 10)

Net Buy Wealth: $464,517 | Rent & Invest Portfolio: $517,548

Rent & Invest leads by +$53,031

Break-Even Analysis

The crucial rate calculation for real estate equality

Required Appreciation Rate

4.6% per year

Buying becomes financially superior if historical or future Canadian home appreciation exceeds 4.6% per year.

Canadian Market Context

Historically, major urban centres in Canada (like the Greater Toronto Area and Metro Vancouver) have averaged long-term nominal property appreciation rates between 4.2% and 5.5%.

Your assumed rate of 4% is less than the break-even tipping point.

Unbiased Buyer Co-Pilot

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