🏠
Rent vs Buy Calculator
See whether renting or buying wins over time — with a break-even chart.
🏠
Buying
%
🔑
Renting & investing
A renter invests the down payment + closing costs upfront, plus any month the cost of owning is higher than rent.
1y20y40y
After years, you come out ahead by After years, the gap is only
0
🏠 Buying wins 🔑 Renting & investing wins 🤝 It's basically a tie
🏠 Buy — net worth
Home equity after selling
🔑 Rent — net worth
Investment portfolio
Net worth over time
Buy
Rent
Tap or hover the chart to inspect any year.
▸ Full cost breakdown
| 🏠 Buying | |
| Monthly mortgage (P&I) | |
| Upfront cash (down + closing) | |
| Total interest paid (over horizon) | |
| Tax + maintenance + insurance | |
| Home value at year | |
| Mortgage balance remaining | |
| 🔑 Renting | |
| Total rent paid (over horizon) | |
| Final monthly rent | |
| Invested contributions | |
| Investment gains | |
Estimates only — ignores taxes on gains/deductions & isn't financial advice.
📢 Ad slot — configure AdSense in Admin → Ads & Monetization
Related tools
🎂
Age Calculator
🏦
EMI / Loan Calculator
🇮🇳
Income Tax Calculator (India)
🍁
Income Tax Calculator (Canada)
🇮🇳 Built by Workaholic Developers
We built this little toy in days. Imagine what we’ll build for you.
AI agents, web apps, automation, custom tools — designed and engineered fast, on whatever tech fits the job. If you can describe it, we can build it.