Rent vs Buy Calculator
Compare renting and buying over time, accounting for mortgage costs, appreciation and investment returns.
Assumptions
Buying ahead by
$36,756
Buying breaks even in year 7
Net worth if you buy$559,832
Net worth if you rent$523,076
Difference (buy − rent)$36,756
Assumes the renter invests the down payment plus any monthly savings. Highly sensitive to the assumptions above — these are inputs, not forecasts.
Estimates only. Not financial, legal, tax, or mortgage advice. Confirm with your lawyer, lender, or mortgage professional.
Turn these numbers into a plan
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