Compare renting and buying a home over time, including mortgage, taxes, maintenance, home growth, rent increases and investing the savings.
About this tool
Compare the true cost of renting versus buying a home over time.
How to use Rent vs Buy Calculator
- Enter the home price, down payment, mortgage details and ownership costs.
- Enter the rent for a similar home and the investment return.
- Read which option leaves you wealthier after the years you plan to stay.
Worked example
Staying only 3 years often favours renting because buying and selling costs are high; staying 10+ years often favours buying.
What does the comparison measure?
The wealth each path leaves you with: home equity after selling costs versus the renter’s invested savings.
Are taxes included?
No. Tax deductions and capital gains rules vary by country, so they are left out.
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