Rent vs Buy Calculator

See whether buying or renting wins over your time horizon in your market.

Home price ($)Monthly rent ($)Down payment %Mortgage rate %Holding period (years)Annual appreciation %Annual rent inflation %

Result

Monthly mortgage

$2129

5-year cost (buy)

$52461

5-year cost (rent)

$186311

Winner

Buying

Net advantage

$133851

About this tool

Enter the home price, monthly rent, down payment, mortgage rate, appreciation, rent inflation, and holding period. Get the net cost of buying vs renting, the breakeven year, and the cumulative savings chart. A clean answer to the r/RealEstate and r/personalfinance 'should I buy or keep renting' classic.

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