Rent vs Buy Calculator

Is it cheaper to rent or buy? Compare the two over the years you plan to stay. The calculator tracks rent paid and rent growth against the cost of owning — down payment, loan payments and upkeep — versus the equity and appreciation you build.

Tool Features

• Compare total rent paid vs cost of owning
• Model rent growth and home appreciation
• Account for mortgage payoff and equity built
• Estimate the upkeep cost of owning (1% rule)
• No registration or software installation

Common Usage

• Decide whether to rent or buy in a city
• See how long you must stay to break even
• Test if high rent beats a big mortgage
• Compare outcomes over 3, 5 or 10 years