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🏑 Rent vs. Buy Calculator

Should You Rent or Buy?

Enter the numbers and instantly see the total cost of buying vs. renting over your time frame β€” and the exact year buying pays off.

Rent vs. Buy Calculator

The home you'd buy
Renting instead
Time frame & assumptions
Over 15 years

Net cost of buying
Net cost of renting
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How this works: “Net cost” is everything you'd pay over the time frame minus what you'd have at the end β€” for buying, your home equity after selling costs; for renting, the investment growth on the cash you didn't tie up in a down payment. Lower is better; a negative number means you come out ahead. Estimate only, not financial advice.

Ready to Stop Renting? Let's Run Your Real Numbers.

Get a real rate and your true buying power from our licensed advisors β€” no credit pull to pre-qualify.