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Tool 05 / Tenure decision

Vancouver Rent-Versus-Buy Calculator

Which assumptions—not slogans—drive the rent-versus-buy result?

Rules reviewed27 JUL 2026CAD estimates · No sign-in
01

Purchase and horizon

Use a time horizon that reflects how long you may realistically keep the property.

02

Ownership scenario

Appreciation and selling costs are assumptions—not forecasts or quotes.

03

Rent and opportunity cost

The model invests the buyer's upfront cash and whichever option has the lower monthly cost.

Decision output

A scenario gap—not a verdict.

We compare final net positions while tracking mortgage amortization, transaction costs, recurring costs, and the investment opportunity cost.

Method, sources, and limits

Rules version: bc-property-rules-2026-07-27. Reviewed 2026-07-27. Results are deterministic estimates in Canadian dollars.

This tool does not determine eligibility, approval, coverage, legal responsibility, engineering condition, or future cost. Confirm time-sensitive or property-specific results with the professional responsible for that work.