Advanced Planning
Rent vs Buy Calculator
Compare the projected wealth outcome of renting or buying using home price, down payment, mortgage costs, property taxes, maintenance, rent growth, and investment returns.
Projected rent vs buy outcome
Estimated buyer equity vs renter portfolio
The chart compares projected buyer equity with the renter investment path over your chosen timeline.
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Frequently asked questions
Does this calculator decide for me?
No. It helps compare two paths using the assumptions you enter. The better answer can change based on time horizon, mobility, and local housing conditions.
Why include investment returns in a rent vs buy comparison?
Because renters may invest money that would otherwise be tied up in a down payment, closing costs, and ongoing homeownership costs.
Does the model include every real-world cost?
No. It is a simplified comparison. It does not include taxes on investments, utility differences, renovations, or every possible closing and selling detail.