Rent vs Buy Calculator - Should You Rent or Buy?

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🏠 Rent vs. Buy Calculator

Renting

Monthly Rent ($)

Annual Rent Increase (%)

Investment Return Rate (%/yr)

For down payment if invested instead

Buying

Home Purchase Price ($)

Down Payment ($)

Interest Rate (%)

Property Tax Rate (%/yr)

Home Insurance ($/yr)

HOA ($/mo)

Maintenance (% of value/yr)

Typical: 1-2%

Home Appreciation (%/yr)

Years to Compare

📈 Net Worth Comparison Over Time

📈 Year-by-Year Comparison

🏠 Ready to Run the Real Numbers?

Get a personalized mortgage estimate to see exactly what buying would cost you.

Calculate Your Mortgage →

⚠️ Disclaimer: This is a simplified comparison model. Actual returns, home values, and costs will vary. Does not include tax implications, closing costs at purchase, or selling costs. Consult a financial and real estate professional.