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Rent vs Buy Calculator

Compare the true costs of renting versus buying a home. Factor in appreciation, maintenance, taxes, and opportunity cost.

🏡 Buying

Home Price ($)

Down Payment (%)

Mortgage Rate (%)

Loan Term (Years)

Property Tax Rate (%/year)

Home Insurance ($/year)

Maintenance (%/year)

Home Appreciation (%/year)

🔑 Renting

Monthly Rent ($)

Annual Rent Increase (%/year)

Renters Insurance ($/year)

Investment Return (%)

Return on alternative investments

Time Horizon (Years)

After Years...

You Save

Cost of Buying

Monthly Payment

Total Payments

Property Taxes

Insurance Total

Maintenance Total

Home Equity

Home Value Gain

Net Cost

Cost of Renting

Total Rent

Renters Insurance Total

Investment Gains

Net Cost

📊 Year by Year

year	Buy Cost	Rent Cost	Difference	Better

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