Compare the net cost of buying a home with renting a similar one over the years you expect to stay.
Buying is cheaper over 10 years by
RM 132,337.77
Instalment RM 1,992.49 vs rent RM 1,800.00 today
Buying is cheaper over 10 years by: RM 132,337.77
Buying includes the down payment, stamp duty and legal fees, instalments and upkeep, minus your equity at the end. Renting counts what the upfront cash would have earned invested. Selling costs are not included.
RM500k first home, 10% down, 4% loan vs RM1,800 rent, 10 years
3% price growth, 3% rent rises, 5% investment return.
Buying is about RM150,700 cheaper
Same, staying 5 years
The gap narrows over shorter stays.
Buying is about RM52,200 cheaper
How the figures above are worked out — the rules, rates and reasoning behind every line.
Buying costs your down payment, stamp duty and legal fees, instalments and upkeep, but you end with equity: the home's value less the loan left. Renting costs the rent, but your down payment stays invested and keeps earning.
The calculator nets both out over the same period, so you can see which leaves you better off.
Price growth: the biggest swing factor. Try 0% to see buying without appreciation.
How long you stay: upfront costs weigh heavily on short stays.
The rent for an equivalent home, and how fast it rises.
Selling costs (agent fees, RPGT if sold within 5 years) are not included, which flatters buying over short periods.
Yes. Malaysian citizens buying a first home at RM500,000 or less pay no stamp duty for SPAs signed in 2026–2027.
Use what your down payment would realistically earn: for example a fixed deposit rate or a conservative long-run return on your EPF or funds.
MyKira is free thanks to ads, which may be personalised. See our Privacy Policy.