Rent vs buy calculator

Compare renting versus buying over a multi-year horizon.

Buy assumptions

Home price

Down payment

Rate (%)

Property tax (%)

Insurance $/yr

Maintenance (%/yr)

Buy closing costs

Rent & market

Monthly rent

Rent growth (%)

Home appreciation (%)

Invest return (%)

Horizon (years)

Results

Rent vs buy

Buying builds equity but needs cash upfront, maintenance, and selling costs. Renting preserves flexibility; we assume down-payment money is invested if you rent. This is a simplified net-worth comparison, not a lifestyle recommendation.