Rent vs Buy Calculator
Compare renting vs buying over your expected time in the home. Accounts for equity building, investment opportunity cost, and total costs.
Runs entirely in your browser — no data sent anywhere. Explore all free tools · Etsy Shop ↗
Frequently Asked Questions
When does buying beat renting financially?
Generally after 5-7 years in the same home. The shorter your stay, the less equity you build and the higher your relative closing cost burden. Run the calculator with your specific numbers — results vary widely by market.
What costs does this calculator not include?
Closing costs (2-5% of home price when buying, 6-10% when selling), PMI if down payment is under 20% (~0.5-1.5%/yr), HOA fees, and maintenance costs (typically 1-2% of home value annually). Including these makes renting more competitive.