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Buy vs Rent Calculator
Buying builds equity but brings transaction costs, maintenance and property taxes; renting is simpler but builds nothing. The honest comparison invests the money not spent on a down payment and compares net worth after the same number of years.
How it works
Home price
Down payment
Mortgage rate
Years to compare
Comparable monthly rent
Annual rent increase
Property tax
Maintenance and insurance
Home appreciation
Investment return if renting
Down payment
Monthly mortgage payment (principal and interest)
Net worth after buying
Net worth after renting and investing
Advantage of buying
Cheaper over this period
Frequently asked questions
How do I use the Buy vs Rent Calculator?
Fill in the fields above โ the result recalculates instantly as you type. Everything runs in your browser, so the values you enter are never collected or stored.
Is this calculator free?
Yes. It is completely free, requires no account, and works on phones, tablets and desktops.