Rent vs Buy Calculator

Compare the true long-term costs of renting vs buying, accounting for home appreciation, equity build-up, opportunity cost, and rent inflation.

Rent vs. Buy Calculator

Should you rent or buy a home? This calculator compares total 5โ€“30 year costs for both paths, accounting for home appreciation, equity build-up, opportunity cost on your down payment, maintenance, and rent inflation โ€” not just the monthly payment difference.

Buying
$
%
%
yrs
$
%
Renting
$
%
Assumptions
%
Better Option
Buying
by $84,200 over 10 years

๐Ÿ  Buying

Mortgage Paymentsโ€”
Down Paymentโ€”
Property Taxโ€”
Maintenanceโ€”
Home Equity Gainedโ€”
Net Costโ€”

๐Ÿ”‘ Renting

Total Rent Paidโ€”
Renter's Insuranceโ€”
Investment Returnโ€”
Net Costโ€”

Related Calculators

๐Ÿ’ฐPayment Calculator ๐Ÿ Affordability ๐ŸงพTax Savings ๐Ÿ’ผIncome Required ๐Ÿ“…Amortization ๐Ÿ”„Refinance