๐Ÿ  Home Planning

Rent vs Buy
Calculator

Explore the numbers behind renting vs. buying โ€” including the break-even year, net worth projection, and what happens if you invest the difference.

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๐Ÿ  Rent vs Buy Calculator

Sample result โ€” $460K home, $2,500/mo rent

๐Ÿข Renting + Investing has higher projected net worth
After 10 years, renting leaves you $6.4K richer than buying
Break-even
Year 12
Net worth (Buy)
$304.5K
Net worth (Rent)
$310.9K
Buy cost/mo
$3,294
Rent cost/mo
$2,517
Difference
-$6.4K
Tool preview
Input screen โ€” buying a home
Input screen โ€” renting
Result โ€” renting wins
Plain-English summary
Summary stats
Net worth chart
Year-by-year table
What's inside

Every angle covered

The monthly payment is only one part of the picture.

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Break-even point

See when the projected value of buying overtakes renting and investing the difference.

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Net worth chart

Visual comparison of your projected net worth over 15+ years โ€” Buy path vs Rent + Invest path.

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Year-by-year table

Full 30-year breakdown: home value, equity, portfolio value, and advantage each year.

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Sensitivity analysis

Key variables ranked by how much they shift your break-even โ€” so you know what actually matters.

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Plain-English summary

"You have $92K for a down payment... if you rent and invest, after 10 years you'd have $310.9K."

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Advanced inputs

HOA, PMI, maintenance, selling costs, home appreciation, investment return assumptions.

Inputs

Your numbers, not generic defaults

๐Ÿ  Buying inputs

  • Home price & down payment %
  • Mortgage rate & loan term
  • Closing costs (% of price)
  • Property tax & home insurance
  • HOA, maintenance & PMI
  • Home appreciation rate
  • Selling costs when you exit

๐Ÿข Renting inputs

  • Monthly rent & annual increase
  • Renters insurance
  • Investment return (S&P 500)
  • Time horizon
  • Estimated tax benefit (if itemizing)
  • Inflation rate

Ready to explore your numbers?

Enter your numbers and see your results in a clear, easy-to-understand comparison.

$14.99 ยท one-time payment
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instant access ยท no setup