Calculator

Rent vs buy

This is a simple comparison tool to reason about tradeoffs. It’s not investment advice. The best choice depends on your timeline, lifestyle, and payment comfort zone.

Current rent ($/month)

Time horizon (years)

Home price

Down payment (%)

Interest rate (%)

Property tax (%/year)

Insurance ($/month)

HOA ($/month)

Maintenance (%/year)

Rent increase (%/year)

Results

This tool compares total out-of-pocket costs (simplified). It does not model taxes or investing differences.

Total rent cost

$—

Based on rent and rent increases.

Total buy cost

$—

Mortgage + taxes + insurance + HOA + maintenance.

Difference

$—

Positive means buy costs more in this simplified model.

Want a decision conversation?

Use this tool for framing, then talk to a local partner agent for neighborhood-level reality.

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