Rent vs Buy Calculator

Renting

Monthly Rent

Buying

Home Price

Down Payment

20%

Interest Rate (Annual)

6.5%

Loan Term

Time Horizon

10 yrs

Invest the monthly savings

Renter invests the buy–rent cost difference

Annual Home Appreciation

Annual Rent Increase

Property Tax Rate

Insurance + Maintenance

Investment Return (Down Payment)

Monthly Rent Cost
—
Current rent payment

Monthly Buy Cost
—
Mortgage + tax + ins.

Break-even Point
—
When buying pays off

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Enter your details to see which option wins.

Key Numbers at Year 10

Home Equity

—

Home Value

—

Total Rent Paid

—

Down Payment Growth

—

Total Buy Cost (net)

—

Total Rent Cost (net)

—

Total Mortgage Paid

—

Interest Paid

—

Cumulative Cost Comparison

Renting Buying

Year-by-Year Breakdown

Year	Rent Paid	Monthly Rent	Buy Cost (net)	Home Equity	Difference