Rent vs Buy: Home Calculator

Renting and buying both have hidden costs. Rent vs Buy accounts for the opportunity cost of your down payment, home equity, and invested savings, so you can see the full financial picture.

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Every feature is unlocked for everyone. No Pro version, no subscription, no advertising.

Most calculators only compare monthly payments. This one runs a robust long-term analysis using real numbers: mortgage interest, property taxes, insurance, maintenance, HOA fees, closing costs, PMI, rent appreciation, home appreciation, investment returns, and tax deductions, and more.

• Full net worth comparison, including home equity, invested savings, and opportunity cost • Every assumption is yours to change, from rent growth to expected market return • Break-even year, plus the appreciation and stock return rates that would flip the answer • Results at 1, 5, 10, 20 and 30 years

For educational purposes only. Not financial advice.