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Plan · Tool 33
Rent vs buy horizon
Compares rent with ownership cost after financing, sale costs, projected equity and capital opportunity cost.
Decision questionAt this horizon, which route preserves more capital?
Rules reviewed10 Aug 2026NAVARO method basis
02 · Primary answerScenario result
Buy advantage
S$130,262Compares unrecoverable rent with the net ownership cost after projected equity at the same horizon.Rent costS$288,921
Net ownership costS$158,659
Projected owner equityS$663,604
Decision shaperelative scale
NAVARO read
Buying wins at this horizon under the entered growth and cost assumptions.
03 · Calculation trail
See the number being built.
The line items use the same engine as the primary answer. Negative rows are deductions, not hidden adjustments.
01Total rent + lease dutyS$288,921
02Ownership cash outflowS$754,954
03Future sale costsS$36,997
04Return forgone on upfront fundsS$67,309
05Projected owner equity after sale cost−S$663,604
06Net ownership costS$158,659