Compare the costs of renting versus buying. Enter rent, property price, down payment, rates, and growth to find your break-even point. 100% private and offline.
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Quick answer: Rent vs Buy Calculator — Rent or buy? Free, no signup, runs in your browser. See below for the interactive tool, 4-step guide and FAQs.
Enter rent, price, rate, and years to compare
Buy total (down + EMI × n)
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Rent total (3% yearly hike)
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Monthly EMI
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Projected home value
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Break-even
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Break-even compares cumulative rent with yearly hikes against down payment and EMI minus home appreciation. For example, $1,500 rent rising 3% yearly for 10 years totals about $206,000, versus a $300,000 home with $60,000 down at 6% and 4% growth breaking even near year 7. Test both scenarios and see /terms.
No. This rent-versus-buy comparison is for informational housing planning only, never financial advice. Maintenance, property taxes, HOA dues, moving costs, and rent-control rules are excluded from the $1,500 versus $300,000 illustration. Consult a qualified professional about your market and see /terms before deciding.
Yes. Rent housing math stays on your phone only. Buy price sums run locally offline with no file sent and no login. For instance, $300,000 stays in-tab, runs net-off, and deletes on shut. It is planning figures only, not advice. See /terms.
Because $350 monthly HOA adds $4,200 yearly and $42,000 over 10 years, erasing principal gains, so $300,000 purchase breaking even at year 7 slides to year 10. Special assessments worsen drag. Input $0 versus $350 HOA here, inspect ownership surcharge. See /terms.
Sometimes, if frequent moves trigger 6% brokerage and shifting costs, $1,500 renting preserves mobility and index investments may outpace $300,000 flat appreciation. Disciplined renters investing $600 monthly difference at 10% amass $122,000 in 10 years. Model 3-year stays versus 10-year roots. Lifestyle judgement only, not property counsel. See /terms.
Renting purchases mobility for one predictable check, while buying accumulates equity via principal amortization and appreciation less ownership drags. A $1,500 rent escalating 3% yearly totals about $206,000 across 10 years, while a $300,000 home with $60,000 down at 6% and 4% growth breaks even near year 7 with $95,000 equity. Ten-year ledger table frames decision: | Path | Cash out 10yr | Asset at 10yr | Rent 3% hike | $206,000 | $0 | Buy 4% growth | $285,000 | $444,000 value |. Ownership costs exceed rent early, then appreciation dominates. Our rent-versus-buy calculator contrasts yearly cumulative totals privately offline. Edge case: rent-controlled $1,500 flats freezing hikes delay break-even beyond decade. Limitation: excludes maintenance shocks, tax deductions, and relocation friction. Gauge loan burden via /mortgage-calculator. Housing maths only, not property advice. See /terms.
Annual rent compounds by hike percentage, while ownership tallies down payment, EMI installments, levies, upkeep, minus market uplift. For example, $1,500 at 3% climbs past $1,900 monthly by year 8 and $2,010 by year 10, cumulating $206,000, while $240,000 mortgage at 6% amortizes steadily and 4% appreciation lifts $300,000 toward $444,000. Crossover table pinpoints flip: | Year | Cumulative rent | Buy net cost | 5 | $95,600 | $102,000 | 7 | $137,900 | $135,000 | 10 | $206,000 | $178,000 |. Owning undercuts renting at crossover. Edge case: flat 0% appreciation with 5% rent hikes may never break even within 15 years. Limitation: single-rate forecasts ignore vacancy spells, assessment jumps, and refinancing windfalls. Test payment ceilings via /home-affordability-calculator. Comparative modelling only, never purchase counsel. See /terms.
Enter $1,500 rent with 3% hikes and $300,000 price with $60,000 down at 6% for 30 years to see $206,000 rent versus $285,000 ownership outlay offset by $144,000 appreciation, breaking even near year 7. Sensitivity matrix stresses assumptions: | Rent | Growth | Break-even | $1,500 3% | 4% | Year 7 | $1,800 3% | 4% | Year 5 | $1,500 3% | 2% | Year 9 |. Higher rents or stronger growth accelerate ownership victory. Edge case: job transfer in year 3 triggers 6% brokerage and moving levies, erasing nascent equity entirely. Limitation: omits maintenance volatility, HOA escalations, tax shields, and investment returns on down payment. Model mortgage specifics beside /mortgage-overpayment-calculator. Informational housing comparison only, not professional realty guidance before committing funds cautiously. See /terms.