Rent vs. Buy Calculator
The real comparison goes beyond monthly payment. This calculator accounts for opportunity cost, appreciation, maintenance, tax benefits, and net wealth over time.
Buying Scenario
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Renting Scenario
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Assumptions
Better financial choice after 7 years
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calculating…
Data sources & methodology: Mortgage amortization using standard formula. Property tax applied annually. Maintenance modeled at 1% of home value/yr. Closing costs on purchase (3%) and sale (6%) included. Opportunity cost = down payment invested at stated return. Rent savings invested at same rate. Results are estimates — not financial advice. Disclaimer →