Rent vs. Buy Calculator

The honest comparison nets out appreciation, ownership costs, rent growth, and 7% selling friction at exit.

Home price

Down payment

Mortgage rate

Equivalent monthly rent

Annual rent growth

Home appreciation

Investment return (renter)

Ownership costs (tax/ins/maint)

% of value /yr

Horizon

years

Wealth advantage

Buying by $32,933.76

Simplified annual model; excludes taxes/insurance on renter side and PMI.

How the Rent vs. Buy Calculator works

The calculation follows the standard method used across the US — no shortcuts, no hidden assumptions. Here is exactly what happens behind the scenes:

How does the Rent vs. Buy Calculator work?

Enter your numbers above and results update instantly using standard formulas, computed entirely on your device.

Is the Rent vs. Buy Calculator free to use?

Yes — completely free with no signup required, and it works on phones, tablets, and desktops.

Free mortgage calculator estimates your monthly payment including principal, interest, property tax, homeowners insurance, PMI, and HOA fees.

Financial

Find the maximum home price that fits your income using lender debt-to-income rules, with room for taxes, insurance, and HOA costs.

Financial

Apply the 30% rule or 50/30/20 budgeting to find a comfortable monthly rent based on your income and debts.

Financial