Rent vs Buy Calculator
Compare the true 5-year cost of renting versus buying a home, including equity buildup and opportunity cost.
Calculation Inputs
Calculation Results
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Enter inputs on the left and click Calculate to view results.
Formula & Methodology
Buy Cost = Mortgage Payments + Taxes + Maintenance − Equity; Rent Cost = Rent × Months
Compares cumulative costs over the selected period including appreciation, equity, and opportunity cost on down payment.
Frequently Asked Questions
When does buying beat renting?
Buying typically wins after 5+ years in appreciating markets, once equity and appreciation offset closing costs.