Rent vs. Buy Calculator
Determine your financial breakeven point with predictive market modeling.
Core Scenarios
%
%
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
Net Worth Trajectory
Homeowner Equity
Renter Portfolio
Where Money is "Lost" (Unrecoverable)
Interest
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Taxes/Maint
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Trans. Costs
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Buying Costs (Non-Equity)
Avg. Monthly "Throw Away" Cost
Renting
Rent is 100% unrecoverable
--
Buying
Interest + Tax + Maint
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Insight: Even if your mortgage payment is higher than rent, your "unrecoverable" cost might be lower because principal payments are savings.