Explore the numbers behind renting vs. buying — including the break-even year, net worth projection, and what happens if you invest the difference. One purchase gets you both: the web app and the same calculator as an Excel file you keep.
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Sample result — $460K home, $2,500/mo rent
Tap ƒ to see the formula.
📊Also included: the Excel workbook — the same inputs, these results, charts and a 50-year table, all as live formulas. Change a blue cell and everything recalculates.
…and more: annual cost, home value vs mortgage and first-year monthly cost charts, plus a built-in "How it works" guide.
Tap a picture to see it full size.
The monthly payment is only one part of the picture. All of this is in both the web app and the Excel workbook.
See when the projected value of buying overtakes renting and investing the difference.
Visual comparison of your projected net worth over 15+ years — Buy path vs Rent + Invest path.
Home value, equity, portfolio value, and advantage each year — 30 years online, 50 years in Excel.
Key variables ranked by how much they shift your break-even — so you know what actually matters.
"You have $92K for a down payment... if you rent and invest, after 10 years you'd have $310.9K."
HOA, PMI, maintenance, selling costs, home appreciation, investment return assumptions.
Adjust each input to your own situation — your local home prices, rent, property tax and appreciation — and see how each scenario plays out. The same inputs are already laid out in both versions — nothing to set up.
Both versions start with typical values already filled in — type over any of them, and check how each result is worked out.
Home price, mortgage rate, rent increase, appreciation, investment return — type over any starting value to match your local market.
Tap ƒ next to a result, a table column or a chart line to see how it's calculated, step by step.
Paste your inputs, results and the full 30-year table into Excel or Google Sheets — change any input there and everything recalculates.
Type any number you like — values are used exactly as you type them. A note appears beside an input only if it's outside a logical limit.
Every result is a live formula in the formula bar, written with named inputs like HomePrice and InvestReturn so it reads like a sentence.
Change or extend any formula. The "How it works" sheet explains each column and the assumptions behind it.
Buy once and use both versions as often as you like — run every scenario you need.
Open your link in any browser and start right away.
Install once on your phone or computer, then use it anywhere — even with no internet.
Keep each scenario separately — a $400K home vs a $500K home, 20% vs 10% down.
Desktop & AndroidSend a scenario to your partner or advisor.
The .xlsx is yours to keep — open it any time, no internet needed.
Save a copy for each home you're looking at, and compare them side by side.
Microsoft Excel, Google Sheets or LibreOffice.
🔒 No account, no subscription — your data stays on your device.
Enter your numbers and see your results in a clear, easy-to-understand comparison.
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Need more than one? Get all 5 calculators for $39.99 →