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Rent vs Buy Calculator
Both scenarios spend the same cash each year; the cheaper side invests the difference. The calculator shows which leaves you wealthier and when buying breaks even.
Rent vs Buy Calculator
Renting leaves you better off after 7 yearsWealth if you buy $173,839 vs rent $193,313
Home value at sale
$491,950
Equity after selling costs
$173,839
Total rent paid
$202,289
Break-even year
Not within 7 years
| Year | If you buy | If you rent |
|---|---|---|
| 1 | $71,475 | $106,027 |
| 2 | $86,928 | $119,768 |
| 3 | $102,986 | $133,827 |
| 4 | $119,676 | $148,208 |
| 5 | $137,027 | $162,913 |
| 6 | $155,071 | $177,947 |
| 7 | $173,839 | $193,313 |
Both scenarios spend the same cash each year: whoever pays less (rent vs mortgage + ownership costs) invests the difference at the investment return. Buyer wealth = home equity after selling costs + investments. Simplified: no tax effects, 30-year fixed loan.
Estimates for information only — not financial, tax or investment advice. Rates and rules change; confirm with an official source or a qualified professional. Disclaimer
Frequently asked questions
Is my data uploaded?
No. The calculation runs entirely in your browser — nothing you type is sent to a server.
Is it free?
Yes — free, unlimited and no sign-up.