Rent vs Buy Calculator
See whether renting or buying wins over time — with a break-even chart.
Buying
Renting & investing
A renter invests the down payment + closing costs upfront, plus any month the cost of owning is higher than rent.
After years, you come out ahead by After years, the gap is only
0
🏠 Buying wins 🔑 Renting & investing wins 🤝 It's basically a tie
Net worth over time
Tap or hover the chart to inspect any year.
▸ Full cost breakdown
| 🏠 Buying | |
| Monthly mortgage (P&I) | |
| Upfront cash (down + closing) | |
| Total interest paid (over horizon) | |
| Tax + maintenance + insurance | |
| Home value at year | |
| Mortgage balance remaining | |
| 🔑 Renting | |
| Total rent paid (over horizon) | |
| Final monthly rent | |
| Invested contributions | |
| Investment gains | |
Estimates only — ignores taxes on gains/deductions & isn't financial advice.
Why you’ll love Rent vs Buy Calculator
Instant & free
No signup, no paywall, no limits — Rent vs Buy Calculator works the moment the page loads.
Completely private
Everything runs in your browser. Nothing you enter is ever uploaded or stored on a server.
Works on any device
Fully responsive and touch-friendly — use it on your phone, tablet or desktop.
Accurate & clear
Built on the real formulas, with a breakdown you can actually trust.
How to use it
Open it
No download and no login — the tool is ready right at the top of this page.
Use it
Enter your details or start interacting. Everything updates live as you go.
Get your result
Copy, download or share your result in a single tap. That’s it.
Frequently asked questions
Rent vs Buy Calculator is 100% free — no signup, no watermarks and no usage limits. It’s one of 200+ free tools we build and give away.
It uses the standard formulas and shows its working, so you can verify every number. For big decisions, treat the result as a reliable estimate.
Completely. Rent vs Buy Calculator runs entirely in your browser (client-side). Nothing you type, upload or generate is sent to our servers, so your data never leaves your device.
No. It works instantly in any modern web browser — Chrome, Safari, Edge or Firefox — on desktop and mobile.
Yes. The tool is fully responsive and touch-friendly, so it works great on phones and tablets as well as computers.
Global Maple System — a software & AI studio. We built Rent vs Buy Calculator (and 200+ other free tools) to show what we can do. Need something custom built? We’d love to help.
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