Finance tool
Rent vs. Buy Calculator
Compare home-sale proceeds with a rent-and-invest alternative over time, including mortgage amortization, appreciation, maintenance, rent growth, and selling costs.
Rent versus buy assumptions
Buying advantage
$82,352
Buy net proceeds$237,518
Rent investment portfolio$155,166
Break-even year3
Cumulative rent$302,646
The answer depends on your time horizon
Buying builds equity and may benefit from appreciation, while renting preserves flexibility and lets the down payment and monthly cost difference remain invested. This tool makes those assumptions visible by year.
It does not include every tax, transaction, maintenance, or lifestyle factor. Use shorter and longer horizons to test how sensitive the conclusion is.
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