Rent vs Buy Calculator
Compare the long-term financial outcome of buying a home versus renting and investing the difference. Enter your numbers and see which option leaves you with more equity or a bigger portfolio after the comparison period.
How to use
Enter home price and down payment
Type the purchase price and the cash you would pay upfront.
Set mortgage terms
Enter the mortgage rate and term in years.
Enter rent and growth rates
Add monthly rent, home appreciation rate, and annual rent increase.
Set investment return
Enter the expected annual return if you invested the down payment and monthly difference.
Read the comparison
See the net difference and a recommendation for your situation.
Features
Full financial comparison
Projects final equity if you buy vs final portfolio if you rent and invest.
Home appreciation modeling
Enter positive or negative appreciation rates for different markets.
Rent growth support
Model annual rent increases over the comparison period.
Clear recommendation
Get a direct answer: buying is better, renting is better, or roughly equal.
Works for any currency
Enter amounts in any currency — the math is identical.
Common use cases
- Decide whether to buy a home or keep renting
- Compare the financial outcome over 5, 10 or 30 years
- See the impact of a larger down payment
- Model a market with falling home prices