Rent vs. Buy Calculator

Determine your financial breakeven point with predictive market modeling.

Core Scenarios

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Market Simulations

Home Appreciation 3.0%
Stagnant (0%) Boom (10%)
Investment Return 7.0%

Return on cash invested if you rented instead of buying (Opportunity Cost).

How long will you stay?
7 Years
Financial Verdict

Buying saves $0

Over 7 years, buying builds more wealth than renting and investing.

Breakeven Year --
Net Worth Diff --

Net Worth Trajectory

Homeowner Equity Renter Portfolio

Where Money is "Lost" (Unrecoverable)

Interest --
Taxes/Maint --
Trans. Costs --

Buying Costs (Non-Equity)

Avg. Monthly "Throw Away" Cost

Renting Rent is 100% unrecoverable
--
Buying Interest + Tax + Maint
--

Insight: Even if your mortgage payment is higher than rent, your "unrecoverable" cost might be lower because principal payments are savings.