Housing
Rent vs Buy Calculator
Renting or buying a home?
Compare the total cost of renting vs buying a home over any time horizon. See which option saves you more money.
Scenario
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How It Works
The Formula
Compare: rent (investing the difference) vs buy (principal + appreciation − costs)
Includes closing costs, maintenance, taxes, and home appreciation
Worked Example
$2,000 rent vs $300,000 home · 7% appreciation · 10 years
- 1Buy equity + appreciation ≈ $110,000
- 2Rent + invested savings ≈ $48,000
Result: Buying wins after ~10 years in this scenario
Pro Tip
The break-even point typically lands between 5–7 years.
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Calculatore.net Team
Our team of finance and math specialists builds every calculator with industry-standard formulas, then verifies each tool hands-on. Learn more in our blog & guides.