Rent vs. Buy Calculator

See the full financial picture of renting vs. buying, including opportunity cost, equity, and long-term net worth.

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

Most calculators only compare monthly payments. This one runs a true 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.

FREE MODE • Monthly cash-out comparison (rent vs. mortgage costs) • See which option costs less over 1, 5, 10, 20, or 30 years • Adjust home price, rent, down payment, and mortgage rate

PRO MODE (One-time purchase, no subscription) • Full net worth comparison. Includes home equity, invested savings, and opportunity cost • All advanced inputs: HOA, maintenance, closing costs, rent appreciation, home appreciation, stock return, tax deductions, and more • See exactly how much better or worse off you might be financially over any time horizon given these assumptions

Perfect for first-time homebuyers, renters weighing their options, or anyone who wants to make a confident, data-driven decision.

For educational purposes only. Not financial advice.