Rent vs Buy Calculator

Compare the financial impact of renting versus buying a home over different time periods

Calculator Inputs

Home Price ($)

Down Payment ($)

Mortgage Rate (%)

Mortgage Term (Years)

Annual Property Tax Rate (%)

Annual Home Insurance ($)

Monthly HOA Fees ($)

Annual Maintenance Cost (%)

Percentage of home value

Monthly Rent ($)

Annual Renter's Insurance ($)

Annual Rent Increase (%)

Investment Return Rate (%)

Expected return rate for down payment and monthly savings

Annual Home Appreciation (%)

Marginal Income Tax Rate (%)

For mortgage interest deduction

Annual Inflation Rate (%)

Time Horizon (Years)

Monthly Payment (PITI)

Total Cost (Over Time Horizon)

Net Cost (After Home Value)

Monthly Rent (Year 1)

Total Cost (Over Time Horizon)

Net Cost (After Investment Growth)

Break-Even Point

Based on your inputs, we'll show when buying becomes more financially advantageous than renting.

Complete the form to see cumulative cost comparison

Complete the form to see monthly payment comparison

Complete the form to see equity building visualization

Year	Mortgage	Tax & Ins	Maintenance	Total Cost	Equity

Year	Rent	Insurance	Total Cost	Investment Value