Rent vs Buy Calculator

Project annual renter and owner costs and estimated owner equity across a chosen horizon so the assumptions stay visible.

Home price

Down payment

Mortgage rate (%)

Monthly rent

Years to compare

Home appreciation / yr (%)

Rent growth / yr (%)

Property tax + maintenance / yr (%)

Insurance / month

Buying closing costs (%)

Selling costs (%)

—Owner cash costs

—Rent paid

—Estimated owner equity

—Owner cost minus equity

—Scenario comparison, not a recommendation

Simplified model: no income-tax deductions, investment opportunity cost, refinance, HOA, rent deposit, or transaction timing beyond entered closing/selling costs. Change assumptions rather than treating defaults as forecasts.

How to use this Rent vs Buy Calculator

Project annual renter and owner costs and estimated owner equity across a chosen horizon so the assumptions stay visible.

Practical tips and limits

Change the assumptions to match the scenario you want to model. Results are browser-local estimates and are not lender, landlord, tax, legal, or investment advice. Real contracts can use different timing, fees, eligibility rules, and rate conventions.