Rent vs Buy Calculator
Rent vs Buy Calculator calculates estimated net cost/wealth difference by year; break-even if any. Enter your assumptions above to get the primary answer first, followed by supporting metrics and detail where useful.
Inputs
Rent vs Buy CalculatorResults
Adjust the inputs, then use the primary action. The result will appear here.
What this calculator answers
Rent vs Buy Calculator calculates estimated net cost/wealth difference by year; break-even if any. Enter your assumptions above to get the primary answer first, followed by supporting metrics and detail where useful.
How this calculation works
This tool uses home price; down payment; mortgage; rent; rent growth; appreciation; taxes; maintenance; transaction costs; investment return; horizon. It returns estimated net cost/wealth difference by year; break-even if any. Headline results, charts, schedules, comparisons and exports are generated from the same normalized calculation state.
Worked example
Modeled buy net position: -175,278.81 • Modeled rent net position: -122,260.45 • Difference (buy - rent): -53,018.35
Assumptions
Unless the tool says otherwise, rates are annual percentages, currency inputs are denominations rather than automatic FX conversions, and projections are mathematical models rather than guarantees. Typed values remain authoritative even outside normal slider ranges.
Limitations
Results depend on the assumptions supplied. Real-world taxes, fees, rates, timing and provider rules can differ from simplified modeled inputs.
Sources & review
Changing-rule tools cite the official source, jurisdiction/effective period and verification date. Evergreen formula pages document their calculation method and review date. Last reviewed: 2026-09-25.
Privacy and review status
Financial inputs stay on this device by default and are not placed into analytics, advertising or error payloads. Review the methodology or report a calculation issue if something looks wrong. Methodology · Report a calculation issue.
Common questions
What does the Rent vs Buy Calculator calculate?
It calculates estimated net cost/wealth difference by year; break-even if any. The result is based on the inputs and assumptions shown on this page.
What inputs does the Rent vs Buy Calculator use?
The main inputs are home price; down payment; mortgage; rent; rent growth; appreciation; taxes; maintenance; transaction costs; investment return; horizon. Change them to model a different scenario.