Buy vs. Rent Calculator

Buy or rent?
Make the call with clarity.

Compare the full cost of housing and the wealth each path could build—not just the monthly payment.

Your assumptions

Buy vs. rent

01

If you buy

i Buying includes mortgage payments, taxes, insurance, HOA, maintenance, PMI, closing costs, and selling costs.

02

If you rent

03

Shared assumptions

i Unspent cash is invested at your chosen return. All reported totals are converted to today’s dollars.

Year by year

How the paths compare.

Cash costs and ending net worth, adjusted into today’s dollars for a cleaner comparison.

YearBuy cashRent cashBuy net worthRent net worthDifference
Net worth assumes a hypothetical home sale each year after selling costs and mortgage payoff.
Educational estimate only · Tax deductions, market risk, and transaction-specific costs are not modeled