🏠 Rent vs Buy Calculator
Compare the true long-term cost of renting versus buying a home.
🏠 Buying Details
Buying Costs
Assumptions
🏡 Renting Details
Investment Assumptions
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Enter your details above, then click Compare Rent vs Buy.
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🏠 Buying Total Cost
Mortgage Payments—
Upfront Costs—
Maintenance & Rates—
Property Value—
Equity Built—
Net Cost of Buying—
🏡 Renting Total Cost
Total Rent Paid—
Insurance—
Invested Deposit Value—
Monthly Savings Invested—
Net Cost of Renting—
Year-by-Year Comparison
| Year | Buy Net Cost | Rent Net Cost | Cheaper Option |
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💡 Rent vs Buy — What to Consider
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Time Horizon Matters
Buying often works better over longer periods.
📈
Opportunity Cost
Your deposit could be invested instead of used for a home.
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Security
Owning provides stability while renting gives flexibility.
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Hidden Costs
Maintenance, taxes, fees and insurance can add up.
⚠️ Disclaimer: This calculator provides estimates only and does not constitute financial advice.
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