Rent vs Buy Calculator
Compare renting versus buying over time. Models appreciation, rent increases, investment returns, ownership costs, and shows your break-even year.
If you buy
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If you rent
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Which comes out ahead
Net worth advantage
$77,158
Buying is ahead by $77,158 after 10 years
Break-even year
Year 6
When buying overtakes renting and investing
Monthly mortgage payment
$3,418Total monthly cost of owning
$4,218Monthly rent today
$2,830Home value in year 10
$1,007,937Renter's portfolio
$440,716Estimates only. Figures are for planning purposes and are not financial, tax, or legal advice. Confirm all numbers with your lender, lawyer, and accountant.
Net worth over time