Calculator

Rent vs. Buy Calculator

Most rent-vs-buy calculators quietly skip the opportunity cost of your down payment or maintenance. This one doesn't. See the real net cost of each path.

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Net cost of renting
$0
Net cost of buying
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Over your stated horizon

How this is calculated
RentingTotal rent paid (with annual growth) + investment growth on the down payment/closing costs you didn't spend
BuyingMortgage interest + property tax + maintenance/insurance + closing costs, minus equity built (principal paid + home appreciation)
Renting isn't throwing money away Read why renting is often the financially rational choice, not a failure to buy.
Read the article →

This model assumes a 30-year fixed mortgage and 3% closing costs, and does not account for PMI, tax deductions, or selling costs at the end of the horizon, all of which can shift the result. This calculator is for educational purposes only and does not constitute financial, investment, or tax advice. Consult a licensed financial advisor or CPA about your specific situation.