🏠 Rent vs Buy Calculator

Compare the net cost of buying a home versus renting over a chosen time horizon — factoring in the mortgage, property tax, maintenance, home appreciation, and what your down payment could have earned invested instead.

Home Price ($)

Down Payment (%)

Mortgage Rate (%)

Mortgage Term (years)

Property Tax + Insurance (%/yr of price)

Maintenance (%/yr of price)

Home Appreciation (%/yr)

Comparable Monthly Rent ($)

Annual Rent Increase (%)

Investment Return If Not Buying (%/yr)

Years to Compare