Rent vs Buy Calculator
Quickly compare the monthly cost of renting versus buying a home.
What this compares
This is a monthly cash-flow comparison only. The buy side adds the mortgage P&I plus annual carrying costs (property tax, insurance, maintenance) divided by 12. It does not model home appreciation, equity build-up or opportunity cost of the down payment.
Frequently Asked Questions
Is the Rent vs Buy Calculator free to use?
Yes, the Rent vs Buy Calculator is 100% free to use. There are no subscriptions, no sign-ups, and no hidden fees.
Is my data safe when using the Rent vs Buy Calculator?
Absolutely. All calculations performed by the Rent vs Buy Calculator happen locally in your web browser. We do not store, track, or transmit your inputs or results to any server.
How accurate is the Rent vs Buy Calculator?
Our Rent vs Buy Calculator uses industry-standard formulas and methodology. You can view the exact formula and calculation logic used in the methodology section above to verify the math yourself.
Can I use the Rent vs Buy Calculator on my mobile phone?
Yes! The Rent vs Buy Calculator is fully responsive and works seamlessly on all devices including smartphones, tablets, and desktop computers.