Enter your numbers
Adjust any field and recalculate — figures are pre-filled with a typical example.
Results will appear here.
How it works
Formula & explanation
Rent vs Buy Calculator uses the following calculation:
NetBuyCost = CashOutlay − (HomeValue − LoanBalance − DownPayment)
This is a simplified model intended for planning and education. Real-world offers from lenders, institutions, or tax authorities may include additional fees, rules, or adjustments not reflected here.
FAQ
Frequently asked questions
How long do I need to stay for buying to make sense?
Generally the longer you stay, the more buying tends to win, since upfront transaction costs get amortized over more years and equity builds.
Does this include closing costs and selling costs?
This simplified model focuses on ongoing payments, appreciation, and maintenance — add transaction costs manually for a fuller picture.
What's the biggest driver of the result?
Local rent growth versus home appreciation rates tend to swing the comparison the most over long horizons.
Related