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Rent vs Buy Calculator

Compare the long-term wealth impact of renting vs buying a home or investment property.

📍 Property Address (optional)
✓ Saved
InputsShared
Buy Option
Purchase Price
$
Down %
%
Mortgage Rate %
%
Property Tax/mo
$
HOI/mo
$
Annual Appreciation %
%
Rent Option
Monthly Rent
$
Annual Rent Growth %
%
Investment Return % (on down pmt)
%
Hold Period
Years to Compare
Pro Forma
Pro Forma Buy Price
$
Pro Forma Rent
$
As-IsCurrent
Enter values to see results
Buy — Net Wealth
—
at year
Rent — Net Wealth
—
invest the diff
Better Option
—
Advantage
—
Buy Option Analysis
Monthly All-In (buy)—
Equity at Year N—
Appreciation Gain—
Net Wealth (buy)—
Rent Option Analysis
Monthly Rent—
Monthly Saved vs Buy—
Invested Savings Return—
Net Wealth (rent)—
Pro FormaAfter plan
Enter values to see results
PF Buy Wealth
—
PF Rent Wealth
—
PF Winner
—
Buy Break-Even
—
years
Pro Forma Comparison
PF Buy Net Wealth—
PF Rent Net Wealth—
Difference—
Break-Even Year
Year 5—
Year 10—
Year 15—