Rent vs Buy Calculator
Model the full financial picture — mortgage, taxes, maintenance, appreciation, and rent inflation — to see when buying overtakes renting.
What is a rent vs buy calculator? A rent vs buy calculator compares the long-term cost of owning a home versus renting, factoring mortgage, property tax, maintenance, home appreciation, rent inflation, and HOA fees. The break-even point shows when buying becomes cheaper than renting over your time horizon.
Your Scenario
Verdict
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Monthly Payment
$0
Principal + Interest
Break-Even
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Years to parity
Total Buy Cost
$0
Net of equity
Total Rent Cost
$0
Over period
Cumulative Cost Over Time
Year-by-Year
| Year | Buy (Net) | Rent | Diff |
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