Decision Tool

Rent vs Buy Calculator

Compare the true long-term cost of renting vs. buying, including opportunity cost of your down payment and home appreciation.

Buying Costs

Home Price

Down Payment %

Mortgage Rate

Property Tax /yr

Insurance /yr

Maintenance /yr %

Closing Costs %

Monthly Rent

Annual Rent Increase

Home Appreciation /yr

Investment Return /yr

Time Horizon

🏠 Total Buying Cost

—

Net of equity & appreciation

🔑 Total Renting Cost

—

Net of investment gains

Crossover Year—

Home Value at Sale—

Home Equity Built—

Rent Savings Invested—

Buying (net)

Renting (net)

Ready to explore buying? Let's see what you qualify for.