Rent vs Buy Calculator

Compare monthly renting cost with estimated ownership cost. Adjust the assumptions, review the output, and use the recommendations below to compare products or plan the next step.

Monthly rent$Home price$Down payment$Mortgage rate6.5%Monthly taxes, insurance, HOA$

Your result

Buying is estimated to cost $575 more per month before appreciation and tax effects.

Estimated owning cost$2,975

Monthly rent$2,400

Monthly difference$575

Mortgage payment$2,275

Rent vs buy

Rent2,400

Own2,975

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How this calculator works

We compare the all-in monthly cost of owning (mortgage + taxes + insurance + maintenance − equity build) against renting plus the opportunity cost of your down payment invested.

Formula transparency

Own cost = mortgage payment + taxes + insurance + maintenance. Rent cost = monthly rent + (down payment × investment return / 12). Break-even months = closing costs / (rent − own).

FAQ

How accurate is the Rent vs Buy Calculator?

The Rent vs Buy Calculator is a planning tool. It uses your inputs and standard formulas, but final decisions should include taxes, fees, vendor pricing, and professional advice where relevant.

Can I share or embed this calculator?

Yes. Use the share button or embed code on the page to reference the tool from an article, client report, or website.

What should I do after using this calculator?

Compare the estimate against real products, pricing pages, and your own historical data before choosing a vendor or budget.

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