Residential · Calculator

Rent vs Buy

Compare cumulative renting costs with the carrying cost of buying over a chosen horizon, including a simple equity estimate.

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Inputs

Simplified multi-year model. Does not fully price opportunity cost of the down payment.

Monthly rent ($)

Home price ($)

Down payment (%)

Mortgage rate (%)

Time horizon (years)

Home appreciation (% / year)

Rent inflation (% / year)

Maintenance (% of price / year)

Property tax (% / year)

Insurance ($ / year)

Results

Cumulative rent paid

$257,459

Cumulative own carry costs

$339,956

Est. equity at horizon

$291,263

Buy net cost (carry + down − equity)

$163,693

Monthly P&I if buying

$2,908

Est. home value at end

$707,177

Educational disclaimer: For educational purposes only. Not financial, legal, tax, or investment advice. Results depend on your inputs and local conditions. Verify assumptions with qualified professionals before making decisions.