FREE · FINANCE CALCULATORS
Rent vs Buy Calculator.
Compare the wealth you build by buying a home or by renting and investing the difference, with mortgage, taxes, upkeep, buying and selling costs and price growth.
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How to use Rent vs Buy Calculator
Fill in the buying side (price, deposit, rate, taxes, upkeep, costs, price growth) and the renting side (rent, rent increases, investment return), then choose how many years to compare.
How it works
Month by month, the owner pays the mortgage, property tax, upkeep and insurance; whoever pays less than the other invests the difference. The renter also invests the deposit and buying costs. Wealth to buy = home value after selling costs − loan left + investments.
Example
A 350,000 home with 20 % down at 4 % over 25 years costs 1,477.94 a month in mortgage payments; against 1,300 rent and a 5 % return, renting is slightly ahead after 15 years.
Questions about Rent vs Buy Calculator
Is Rent vs Buy Calculator free, and do I need an account?
Yes. This tool is free to use in your browser without an account. Processing takes place on your device.
What are the limits and what should I check?
Simplified: tax relief, capital gains tax and rent rules are not modelled. Up to 50 years. Not financial advice. Everything is calculated in your browser; nothing you type is uploaded. Review the result before using it in your work.
Is my input sent to a server?
Your input is processed in your browser and is not uploaded by this tool. Files and pasted text are cleared when the page is refreshed. Normal website requests are still required to load the page and its libraries. Read the privacy explanation.