Rent vs Buy Calculator
Analyze the net financial advantage of renting vs buying real estate over a holding term.
Net benefit over 7 years: $71,200
Comparison Settings
Buying Assets summary
Buying cost includes down payments, mortgage premiums, tax, insurance, and maintenance. However, unlike renting, you build equity as the home appreciates (3.5% expected) and the mortgage principal is paid down.
How Rent vs Buy Calculator Works
Our high-performance online utility runs entirely client-side, processing your requests securely and instantly inside your web browser. For related features, you can also use our Mortgage and Rent tools.
Set Home Price
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Enter Monthly Rent
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Choose Holding Period
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Home Equity Building
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Renter Investment Returns
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Maintenance Costs
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Net Cost Comparison
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Comparison Factors
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Frequently Asked Questions About Rent vs Buy
Is this rent vs buy calculator free?
Yes. Compare unlimited scenarios with no registration.
What's better, renting or buying?
Depends on holding period, market appreciation, and your investment alternatives.
Does this include equity building?
Yes. Factor in home equity, mortgage paydown, and renter investment returns.
Do you store property data here?
No. All calculations run locally with complete privacy.